Neha Agarwala

Daniel Mora Ardila

Tito Labarta

Andrew Garry

Daniel Mora

Ernesto Gabilondo

Ernesto María Gabilondo Márquez

Pietro Nobili Ruz

Alonso Aramburú

Beatriz Abreu

Beatriz Bomfim de Abreu

Eric Ito

Olavo Arthuzo

Paulo Gonzalez

Yuri Fernandes

- For the nine months ended September 30, 2025, BANCO SANTANDER CHILE reported **net income attributable to shareholders of $798 billion**, representing a **37.3% increase year-over-year**, with a **Return on Average Equity (ROAE) of 24.0%**.  **[1027552_0001027552-25-000178_a3q25managementcommentar.htm:2]** 
- The Bank's **Net Interest Margin (NIM) improved to 4.0%** in 9M25 from 3.4% in 9M24, and its **efficiency ratio reached 35.9%** in 9M25, better than the 40.0% recorded in 9M24.  **[1027552_0001027552-25-000178_a3q25managementcommentar.htm:2]** **[1027552_0001027552-25-000178_a3q25managementcommentar.htm:3]** 
- **Net commissions increased by 8.0%** in 9M25, and the total customer base expanded by **8.7% year-over-year**, reaching approximately **4.6 million customers**.  **[1027552_0001027552-25-000178_a3q25managementcommentar.htm:2]** **[1027552_0001027552-25-000178_a3q25managementcommentar.htm:3]** 
- The **Common Equity Tier 1 (CET1) ratio remained solid at 10.8%** as of September 30, 2025.  **[1027552_0001027552-25-000178_a3q25managementcommentar.htm:3]** 
- **Credit loss expense increased by 9.4%** in 9M25 compared to 9M24, with the **cost of credit rising to 1.39%** from 1.28% over the same period.  **[1027552_0001027552-25-000178_a3q25managementcommentar.htm:3]** **[1027552_0001027552-25-000178_a3q25managementcommentar.htm:24]**

BANCO SANTANDER CHILE Reports Strong Q3 2025 Financial Performance

- On **October 28, 2025**, Banco Santander-Chile reported a Material Fact concerning the **placement of dematerialized and bearer bonds** in the local market.  **[1027552_0001027552-25-000176_material_fact.htm:0]** 
- The bond series, **AA-22 BSTD220425**, was for a total amount of **UF 1,000,000**.  **[1027552_0001027552-25-000176_material_fact.htm:0]** 
- These bonds are set to mature on **April 1, 2040**, and were placed at an average rate of **3.02%**.  **[1027552_0001027552-25-000176_material_fact.htm:0]**

Banco Santander-Chile Announces Bond Placement

- On **October 27, 2025**, Banco Santander-Chile placed dematerialized and bearer bonds in the local market.  **[1027552_0001027552-25-000174_material_fact.htm:0]** 
- The bond series, **T-23 BSTD230822**, was for a total amount of **UF 300,000**.  **[1027552_0001027552-25-000174_material_fact.htm:0]** 
- These bonds have a maturity date of **February 1, 2031**, and an average placement rate of **2.79%**.  **[1027552_0001027552-25-000174_material_fact.htm:0]**

Banco Santander-Chile announces bond placement

- Banco Santander-Chile reported a **Material Fact** on **October 21, 2025**, concerning the placement of dematerialized and bearer bonds in the local market.  **[1027552_0001027552-25-000172_material_fact.htm:0]** 
- The bonds, identified as **Series T-23 BSTD230822**, were placed for a total amount of **UF 400,000**.  **[1027552_0001027552-25-000172_material_fact.htm:0]** 
- These bonds have a maturity date of **February 1, 2031**, and were placed at an average rate of **2.79%**.  **[1027552_0001027552-25-000172_material_fact.htm:0]**

- On **October 20, 2025**, Banco Santander-Chile placed **dematerialized and bearer bonds** in the local market.  **[1027552_0001027552-25-000170_material_fact.htm:0]** 
- The bond series, T-21 BSTD210622, was for a total amount of **UF 530,000**.  **[1027552_0001027552-25-000170_material_fact.htm:0]** 
- These bonds mature on **December 1, 2029**, and were placed at an average rate of **2.68%**.  **[1027552_0001027552-25-000170_material_fact.htm:0]**

- Banco Santander-Chile (BSAC) announced the **placement of dematerialized and bearer bonds** in the local market on **October 10, 2025**.  **[1027552_0001027552-25-000166_material_fact.htm:0]** 
- The bonds, identified as **Series T-23 BSTD230822**, were placed for a total amount of **UF 200,000**.  **[1027552_0001027552-25-000166_material_fact.htm:0]** 
- These securities carry an average placement rate of **2.73%** and are set to mature on **February 1, 2031**.  **[1027552_0001027552-25-000166_material_fact.htm:0]**

- Banco Santander-Chile reported **net income** of **809,420 million Chilean pesos** for the period ending September 2025.  **[1027552_0001027552-25-000164_sept2025.htm:0]** 
- The bank's **total operating income** for the same period was **2,168,997 million Chilean pesos**.  **[1027552_0001027552-25-000164_sept2025.htm:0]** 
- As of **September 30, 2025**, **total assets** for Banco Santander-Chile stood at **68,240,207 million Chilean pesos**.  **[1027552_0001027552-25-000164_sept2025.htm:0]** 
- The financial information is **unaudited** and prepared in accordance with the Compendium of Accounting Standards for Banks, which are substantially similar to IFRS.  **[1027552_0001027552-25-000164_sept2025.htm:1]**

Banco Santander-Chile Reports Q3 2025 Financial Results

- **Banco Santander-Chile** (BSAC) announced the **placement of dematerialized and bearer bonds** in the local market on **October 8, 2025**.  **[1027552_0001027552-25-000162_material_fact.htm:0]** 
- The bonds, **Series T-23 BSTD230822**, were placed for a total amount of **UF 500,000**.  **[1027552_0001027552-25-000162_material_fact.htm:0]** 
- These bonds have a maturity date of **February 1, 2031**, and an average placement rate of **2.73%**.  **[1027552_0001027552-25-000162_material_fact.htm:0]**

- Banco Santander-Chile reported a **Material Fact** on **October 7, 2025**, concerning the placement of dematerialized and bearer bonds in the local market.  **[1027552_0001027552-25-000160_material_fact.htm:0]** 
- The bonds, identified as Series T-23 BSTD230822, were issued for a total amount of **UF 150,000**.  **[1027552_0001027552-25-000160_material_fact.htm:0]** 
- These bonds are set to mature on **February 1, 2031**, and were placed at an average rate of **2.72%**.  **[1027552_0001027552-25-000160_material_fact.htm:0]**

Banco Santander-Chile Announces Local Market Bond Placement

- On **October 1, 2025**, Banco Santander-Chile (BSAC) placed **dematerialized and bearer bonds** in the local market.  **[1027552_0001027552-25-000157_material_fact.htm:0]** 
- The bond series, T-23 BSTD230822, was for a total amount of **UF 550,000**.  **[1027552_0001027552-25-000157_material_fact.htm:0]** 
- These bonds have a maturity date of **February 1, 2031**, and were placed at an average rate of **2.74%**.  **[1027552_0001027552-25-000157_material_fact.htm:0]**

BANCO SANTANDER CHILE (BSAC)