Banco Santander-Chile Balance Sheet Health
Financial Health criteria checks 2/6
Banco Santander-Chile has total assets of CLP65,890.3B and total equity of CLP4,324.2B. Total deposits are CLP28,384.4B, and total loans are CLP39,225.7B earning a Net Interest Margin of 2.2%. It has insufficient allowance for bad loans, which are currently at 6.1% of total loans. Cash and short-term investments are CLP15,023.3B.
Key information
15.2x
Asset to equity ratio
2.2%
Net interest margin
| Total deposits | CL$28.38t |
| Loan to deposit ratio | High |
| Bad loans | 6.1% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | CL$15.02t |
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 (15.2x) is moderate.
Allowance for Bad Loans: BSAC has a low allowance for bad loans (49%).
Low Risk Liabilities: 54% 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 (60%).
Low Risk Deposits: BSAC's Loans to Deposits ratio (138%) is high.
Level of Bad Loans: BSAC has a high level of bad loans (6.1%).