Banco Santander Chile reported a mixed financial performance in 2025, marked by an 11.2% increase in net interest income driven by asset mix improvements and lower funding costs. Fee income rose due to enhanced digital platform engagement, supporting client growth and cross-selling. However, net income declined year-on-year by approximately 5%, reflecting increased provisions for loan losses amid evolving credit quality dynamics. The bank maintains solid liquidity and regulatory capital buffers, supporting its conservative funding strategy centered on retail deposits and institutional diversification. Regulatory developments related to consumer credit protections pose an ongoing risk that could impact future profitability.