Banco Santander-Chile Website

Banco Santander-Chile

SNSE-BSANTANDER

Company Overview

Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, Corporate Investment Banking, and Corporate Activities segments. The company offers debit and credit cards, checking accounts, and savings products; consumer, automobile, commercial, mortgage, and government-guaranteed loans; and Chilean peso and foreign currency denominated loans to finance various commercial transactions, trade, foreign currency forward contracts, and credit lines, as well as mortgage financing services. It also provides mutual funds, insurance and securities brokerage, foreign exchange, financial leasing, factoring, financial consulting and advisory, investment management, foreign trade, treasury, and transactional services, as well as specialized services to finance projects for the real estate industry. In addition, the company offers short-term financing and fund raising, and brokerage services, as well as derivatives, securitization, and other tailor-made products. It serves individuals, small to middle-sized entities, companies, and large corporations, as well as universities, government entities, and local and regional governments. As of December 31, 2021, the company operated 326 branches, which include 220 under the Santander brand name, 14 under the Select brand name, 7 specialized branches for the middle market, and 22 as auxiliary and payment centers, as well as 1,338 ATMs, including depository ATMs. Banco Santander-Chile was incorporated in 1977 and is headquartered in Santiago, Chile.

  • Name

    Banco Santander-Chile

  • CEO

    Andrés Trautmann Buc

  • Website

    banco.santander.cl

  • Sector

    Banks

  • Year Founded

    1977

Company Statistics

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Bulls Say

  • Banco Santander Chile has one of the largest deposit bases in Chile, and its recent success with its new digital accounts will only add to this strength.

  • Interest rates in Chile have begun to decline, reducing pressure on Banco Santander Chile's high funding costs.

  • The increasing importance of service industries to GDP could reduce the Chilean economy’s excessive exposure to the volatile mining industry.

Bears Say

  • While Banco Santander's net interest income did recover in 2024, net interest margin remains well below its old high.

  • Following the 2019 protests, the political situation in Chile has become more uncertain, with two referendums on new constitutions failing since then.

  • Santander is not the only Chilean bank expanding its digital service offerings; initial success could moderate as competition increases.

Source: Morningstar Analysis - Oct 30, 2025

What's happening

Nov 12, 2025 - Dec 12, 2025

Banco Santander-Chile Faces Mixed Sentiments Amid Strategic Moves and Analyst Caution

  • A bullish trend was observed on November 17, driven by favorable electoral shifts in Latin America.
  • BSAC's partnership announcements with PagoNxt for Getnet Chile were positively received, leading to short-term price increases.
  • Despite these positive developments, analyst caution regarding valuation adjustments impacted overall performance negatively.

Over the past month, Banco Santander-Chile (BSAC) experienced a slight decline of 0.5%. This underperformance is notable when compared to the S&P 500's gain of 0.7%, resulting in an underperformance of -1.2% relative to this benchmark. Additionally, BSAC lagged behind the Financials sector (XLF), which saw a return better by 3.7%. The stock’s movement reflected mixed sentiments influenced by significant corporate developments and prevailing market conditions.

A notable bullish trend emerged on November 17 when discussions around favorable electoral shifts in Latin America positioned Chile as an attractive investment opportunity for 2025. This sentiment contributed to a strong price increase of 4.1% on that day, indicating optimism among investors regarding BSAC's future prospects amidst political changes in the region. Following this positive momentum, announcements made on November 19 and November 20 about incorporating PagoNxt as a strategic partner for Getnet Chile further solidified investor confidence and resulted in additional gains of approximately 2.3% and then about 0.7%.

However, despite these promising events surrounding partnerships aimed at enhancing competitive positioning within local markets—particularly through Getnet—bearish signals later impacted BSAC's overall performance during the month. On November 25, Morgan Stanley analyst Jorge Kuri raised his price target for BSAC from $28 to $30 while maintaining an Equalweight rating; this move was interpreted negatively by some investors who may have anticipated more aggressive upward revisions or stronger buy ratings.

The combination of these factors illustrates how investor sentiment fluctuated throughout this period due to both optimistic strategic initiatives and cautious responses from analysts regarding valuation adjustments post-announcement periods. Overall, while there were moments of positive momentum driven by strategic partnerships aimed at enhancing competitive positioning within local markets—particularly through Getnet—the underlying bearish reactions limited sustained gains for BSAC during this one-month timeframe compared with broader indices like the S&P and sector benchmarks.

Banco Santander-Chile underperformed the Financials (XLF) sector by -3.7%.

SNSE:BSANTANDER