Banco Santander-Chile Balance Sheet Health
Financial Health criteria checks 3/6
Banco Santander-Chile has total assets of CLP74,780.3B and total equity of CLP4,290.6B. Total deposits are CLP30,416.9B, and total loans are CLP40,172.0B. It earns a Net Interest Margin of 2%. It has sufficient allowance for bad loans, which are currently at 2.3% of total loans. Cash and short-term investments are CLP16,913.5B.
Key information
17.4x
Asset to equity ratio
2.0%
Net interest margin
Total deposits | CL$30.42t |
Loan to deposit ratio | High |
Bad loans | 2.3% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | CL$16.91t |
Recent financial health updates
No updates
Recent updates
Banco Santander-Chile: High Quality Bank, But Stalled Profitability And Overvalued
Sep 20Banco Santander-Chile GAAP EPADR of $0.25 misses by $0.06
Feb 03Banco Santander-Chile: A Less Compelling Risk/Reward As The ROE Reverts Lower
Jan 18Banco Santander-Chile GAAP EPADR of $0.41 misses by $0.09
Oct 28Banco Santander-Chile: Good Entry Point
Sep 17Banco Santander-Chile: Picking Out The Major Tailwinds And Headwinds
Aug 24Banco Santander-Chile GAAP EPADR of $0.66 misses by $0.12
Jul 29Santander Chile is back in Swiss market with CHF150M senior notes
Jun 09Banco Santander-Chile EPS beats by $0.11
Apr 30Banco Santander-Chile reports Q3 results
Oct 30Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BSAC's Assets to Equity ratio (17.4x) is moderate.
Allowance for Bad Loans: BSAC has a sufficient allowance for bad loans (124%).
Low Risk Liabilities: 57% of BSAC's liabilities are made up of primarily higher risk sources of funding.
Loan Level: BSAC has an appropriate level of Loans to Assets ratio (54%).
Low Risk Deposits: BSAC's Loans to Deposits ratio (132%) is high.
Level of Bad Loans: BSAC has a high level of bad loans (2.3%).