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    Pietro Nobili Ruz • BTG Pactual Chile

    Pietro Nobili Ruz's questions to Banco Santander-Chile (BSAC) leadership

    Pietro Nobili Ruz's questions to Banco Santander-Chile (BSAC) leadership • Q2 2025

    Question

    Pietro Nobili Ruz from BTG Pactual Chile questioned the bank's initiatives to increase the consumer portfolio's share of total loans back to historical levels, such as 17%, and the expected timeline for this change.

    Answer

    Andrés Sansone, Chief Economist, explained that the bank intends to grow its consumer lending book organically and cautiously, prioritizing prudent capital deployment over rapid expansion. He mentioned that while initiatives like securitization could help if regulations change, the shift in the portfolio mix will be a gradual process over time, not a rapid convergence within a specific timeframe like 24 months.

    Ask Fintool Equity Research AI

    Pietro Nobili Ruz's questions to Banco Santander-Chile (BSAC) leadership • Q2 2025

    Question

    Pietro Nobili Ruz from BTG Pactual Chile questioned the bank's strategy and timeline for increasing the proportion of consumer loans within its total loan portfolio back to historical levels.

    Answer

    Andrés Sansone, Chief Economist, explained that the bank aims to grow its consumer loan book organically and cautiously, prioritizing prudent lending over rapid expansion. He mentioned that while initiatives like securitization could help if regulations permit, the shift in the portfolio mix will be a gradual process rather than a rapid convergence.

    Ask Fintool Equity Research AI