7Baggers

Banco Santander-Chile
(NYSE:BSAC) 

BSAC stock logo

Banco Santander-Chile, together with its subsidiaries, provides commercial and retail banking products and services in Chile. It operates through Retail Banking, Middle-Market, and Corporate Investment Banking segments. The company offers debit and credit cards, checking accounts, and savings produc...

Founded: 1857
Full Time Employees: 10,792
Sector: Financial Services
Industry: Banks-Regional
Commercial BanksFinancial Services
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At a glance:
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Quarterly
Annual
    Unit: USD2023-12-31 2022-12-31 2021-10-21 2013-03-28 2011-05-24 2011-02-04 2009-11-02 2008-12-31 2007-11-08 2007-08-30 2007-05-10 2007-02-19 2006-11-27 2006-11-07 2006-08-30 2006-04-28 2006-03-03 2005-12-31 2005-11-01 2004-12-31 2004-11-05 2004-03-03 2004-02-27 2003-11-17 2003-08-01 2003-05-22 2003-02-21 
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2023-12-31 2021-12-28 2021-12-10 2021-10-05 2021-09-30 2021-06-30 2021-05-11 2020-12-02 2020-09-03 2020-06-30 2020-06-22 2019-12-02 2018-12-31 2018-11-21 2018-09-04 2018-06-30 2018-04-06 2018-03-31 2017-09-30 2017-08-22 2017-06-30 2017-05-24 2016-09-23 2016-06-21 2016-03-29 2015-12-31 2015-12-01 2015-09-30 2015-09-02 2015-06-09 2015-04-08 2015-03-31 2014-12-31 2014-12-01 2014-09-04 2014-05-29 2014-03-26 2013-12-31 2013-12-10 2013-05-20 2013-03-28 2012-12-31 2012-11-09 2012-08-22 2011-11-07 2011-09-30 2011-08-18 2011-06-30 2010-12-31 2010-09-30 2009-06-30 2008-12-31 2007-08-30 2007-05-10 2005-12-31 2004-12-31 2003-12-31 2002-12-31 2002-06-30 2001-12-31 
                                                                  
        assets
      		                                                            
        cash and deposits in banks
      		2,723,282 5,526,197 5,526,197 7,512,113 5,526,197 10,261,328,000,000 2,803,288 3,210,078 3,776,118 3,776,118 3,755,786 2,108,704 2,065,441 1,780,079 1,450,015 1,450,015 1,452,922 1,599,697 1,348,865 1,344,043 1,344,043 1,828,411 2,164,211 1,416,135 2,064,806 2,917,217 1,486,170 1,486,170 1,604,616 1,832,892 1,608,888 1,832,892 2,644,762 1,448,635 1,074,727 1,344,228 1,571,810 2,998,493 1,618,457 1,230,201 1,250,414 2,611,285 1,585,078 2,210,330 3,488,473 3,488,471,000,000 2,098,669 2,098,669 3,765,783,000,000   854,838,000,000         
        cash items in process of collection
      		812,524 458,328 458,328 1,040,417 458,328 1,421,179,000,000 452,963 546,692 375,238 375,238 615,922 485,672 353,757 564,245 745,532 745,532 668,145 511,561 601,685 429,236 429,236 800,901 773,774 1,043,906 724,521 1,023,624 970,443 970,443 758,506 1,063,702 531,373 1,063,702 873,495 822,594 674,079 740,648 604,077 1,152,379 607,633 621,562 520,267 1,086,493 599,339 477,367                 
        financial assets for trading at fair value through profit and loss
      		10,217,794                                                            
        financial derivative contracts
      		10,119,486 9,673,439 9,673,439 6,304,870 9,673,439 8,612,269,000,000 9,032,085 10,404,457 13,498,185 13,498,185 14,925,196 7,304,132 3,100,635 2,230,448 2,233,818 2,233,818 2,238,647 2,000,057 2,121,297 2,215,654 2,215,654 2,500,630 3,001,807 2,990,214 3,205,926 4,529,424 3,629,660 3,629,660 2,632,720 2,750,897 2,727,563 2,750,897 4,483,690 2,665,474 1,895,554 1,940,836 1,494,018 2,850,092 1,279,469 1,292,953 1,293,212 2,700,662 1,476,209 1,429,198 3,871,038 3,871,038,000,000 3,084,979 3,084,979 3,471,264,000,000 3,424,729,000,000 1,502,295,000,000 1,846,509,000,000         
        debt financial instruments
      		98,308                                                            
        financial assets at fair value through other comprehensive income
      		4,641,282                                                            
        debt financial instrument
      		4,536,025                                                            
        other financial instruments
      		105,257                                                            
        financial derivative contracts for hedge accounting
      		605,529                                                            
        financial assets at amortised cost
      		47,838,790                                                            
        interbank loans
      		68,438 823  7,637  10,432,000,000 189,208 10,798 8,717 8,717 12,935 4,130 15,065 14,307 29,736 29,736 162,599 9,227 278,046 235,512 235,512 351,880 236,345 31,896 10,861 13,720 86,440 86,440 39,475 111,053 11,918 111,053 19,631 121,145 97,764 4,256 125,395 238,371 144,690 139,965 90,527 188,815 110,244 145,390 169,141  187,564 187,564    95,499,000,000 664,189,000,000 168,554,100,000       
        loans and account receivable from customers
      		39,593,457                                                            
        investments in associates and other companies
      		55,284 10,692 10,692 10,490 10,692 14,329,000,000 10,327 10,327 10,012 10,012 10,605 10,191 32,293 32,498 30,292 30,292 27,585 28,274 26,639 25,179 25,179 24,501 22,254 20,861 20,309 28,693 19,826 19,826 19,145 18,338 17,914 18,338 29,448 17,111 16,631 9,965 9,681 18,468 9,800   15,901                   
        intangible assets
      		97,551 85,548 85,548 83,973 85,548 114,705,000,000 82,537 73,848 71,043 71,043 70,298 63,846 66,923 59,748 61,056 61,056 63,219 62,458 59,112 59,343 59,343 59,118 55,564 51,660 51,137 72,248 44,410 44,410 41,389 39,428 40,983 39,428 67,370 30,779 59,458 61,885 66,703 127,247 65,149 77,158 87,347 182,410 75,098 73,401 148,617  154,901 154,901             
        property, plant, and equipment
      		251,823 180,813 226,284 184,657 226,284 252,236,000,000 187,240 183,474 189,569 189,569 190,892 185,158 253,586 240,002 230,572 230,572 242,547 232,626 226,896 245,099 245,099 249,485 233,066 234,468 240,659 340,010 213,885 213,885 208,495 206,722 211,561 206,722 347,773 187,241 179,616 177,061 180,215 343,791 161,812 159,852 162,214 338,757 150,227 151,670 294,652  320,599 320,599             
        right of use assets
      		100,449 183,734 138,263 189,027 138,263 258,205,000,000 201,611 197,574 200,890 200,890 208,041 209,825                                                 
        current taxes
      		93,604 121,823 121,823 77,989 121,823 106,531,000,000 12,977 56,070 56,294 56,294 13,989 28,419 8,093 18,149 10,623 10,623 6,435 6,756 10,234 5,969 5,969 24,847 4,796 11,799 17,796 25,143 13,310 13,310 18,485 10,532 2,241 10,532 3,684 23,834 22,943 2,092 1,643 3,134 1,343 19,782 10,227 21,357 1,279  53,394  71,356 71,356   4,826,000,000 18,289,000,000         
        deferred taxes
      		553,475 749,543 743,184 631,756 743,184 862,960,000,000 538,118 528,432 516,631 516,631 469,653 430,848 382,934 388,289 380,610 380,610 385,608 372,665 381,520 361,939 361,939 368,276 337,915 324,477 331,714 452,850 304,485 304,485 289,440 279,646 282,211 279,646 447,319 241,815 195,746 191,472 230,215 433,585 183,804 187,991 186,210 379,405 181,789 140,241   273,936 273,936   94,369,000,000 64,821,000,000         
        other assets
      		3,046,607 2.779 2,789,063 1,942,958 2,789,063 2,654,024,000,000 1,738,856 1,934,055 2,577,254 2,577,254 2,000,950 1,503,598 984,988 656,928 833,422 833,422 755,183 920,765 825,909 893,207 893,207 1,035,406 1,142,827 982,562 1,097,826 1,554,357 1,220,484 1,220,484 886,017 676,093 493,173 676,093 1,525,424 353,263 313,457 336,803 400,025 982,330 408,356 585,528 656,200 1,375,949 711,815 611,886 1,354,999  1,660,388 1,660,388 2,961,893,000,000 3,146,803,000,000 561,407,000,000 520,348,000,000  704,523,600,000 347,923,000,000 418,237,000,000 286,160,000,000 218,599,000,000 218,599,000,000 336,319,000,000 
        non-current assets and disposal groups for sale
      		51,445                                                            
        total assets
      		71,089,439 63.702 63,507,671 58,812,752 63,507,671 80,336,510,000,000 55,776,077 57,168,493 61,026,743 61,026,743 59,310,458 46,579,439 39,197,356 38,025,656 37,589,238 37,589,238 35,804,279 36,433,862 35,152,715 34,806,430 34,806,430 36,708,538 36,123,767 34,847,695 34,654,105 48,937,074 34,723,950 34,723,950 32,431,634 31,678,231 30,534,176 31,678,231 50,918,657 29.745 27,640,913 27,907,926 27.016 51,740,227 26,045,439 24,989,441 24,761,627 51,706,982 24,940,062 25,298,752 49,308,486 49,371,335,000,000 52,786,772 52,786,772 47,189,270,000,000 44,742,355,000,000 19,405,664,000,000 21,137,134,000,000 30,732,786,000,000 15,533,424,500,000 13,096,821,000,000 12,070,528,000,000 10,920,427,000,000 12,500,190,000,000 12,500,190,000,000 7,201,642,000,000 
        liabilities
      		                                                      2,842,461,000,000   4,203,590,000,000   
        cash items in process of being cleared
      		775,082 362,129 362,129 952,459 362,129 1,301,031,000,000 361,631 435,433 284,860 284,860 627,535 248,520 163,043 455,368 717,175 717,175 486,726 354,046 513,719 258,454 258,454 602,307 529,784 873,455 462,157 652,949 729,858 729,858 446,163 846,771 281,259 846,771 462,346 606,307 409,175 425,438 276,379 527,240 390,271 461,175 284,953 595,078 403,154 297,871                 
        financial liabilities for trading at fair value through profit and loss
      		9,521,575                                                            
        financial derivative contracts for accounting hedges
      		2,466,767                                                            
        financial liabilities at amortised cost
      		48,622,169                                                            
        deposits and other demand liabilities
      		13,537,826 17,367,090 17,367,090 17,722,252 17,367,090 24,208,081,000,000 14,560,893 13,907,876 12,411,024 12,411,024 11,047,625 9,463,459 8,741,417 7,984,243 8,127,758 8,127,758 7,768,166 8,175,608 7,270,501 7,195,893 7,195,893 7,408,618 7,238,303 7,079,271 7,356,121 10,392,937 6,644,367 6,644,367 6,659,174 6,440,784 6,480,497 6,440,784 10,652,930 5,724,921 5,664,560 5,610,373 5,620,763 10,722,554 5,257,128 4,964,239 4,970,019 10,379,073 4,601,160 4,624,570 8,653,434  9,522,392 9,522,392             
        time deposits and other time liabilities
      		16,137,942 12,489,856 12,489,856 11,755,807 12,489,856 16,058,091,000,000 10,581,791 11,778,397 14,145,381 14,145,381 14,210,320 13,404,816 13,067,819 12,777,365 12,681,594 12,681,594 11,913,945 11,968,775 12,591,871 12,059,284 12,059,284 12,700,210 12,997,791 12,722,899 12,182,767 17,212,160 12,101,216 12,101,216 11,682,908 11,231,001 10,413,940 11,231,001 17,118,899 10,531,006 9,310,661 9,640,601 9,675,272 18,457,215 9,690,368 9,151,110 9,112,213 19,029,368 9,487,610 9,913,093 18,079,950  18,949,791 18,949,791             
        obligations under repurchase agreements
      		282,584 49,644 49,644 58,861 49,644 80,402,000,000 969,808 253,582 200,850 200,850 252,621 285,840 48,545 180,001 110,585 110,585 268,061 105,899 147,515 145,570 145,570 205,151 31,005 51,423 143,689 203,008 273,079 273,079 160,161 225,590 392,126 225,590 644,594 289,095 136,557 193,787 208,972 398,649 388,956 223,702 304,117 635,099 118,845 369,917                 
        interbank borrowings
      		10,366,499  9,139,050  9,139,050                     1,847,378       2,024,561    1,682,377 3,209,418 1,649,658 1,379,829 1,438,003 3,003,034 1,476,424 1,707,795 3,896,961  3,917,084 3,917,084    1,425,065,000,000         
        issued debt instruments
      		8,001,045 8,034,421 8,034,421 8,022,365 8,034,421 10,958,317,000,000 8,204,177 8,544,404 9,442,203 9,442,203 10,340,124 9,266,604 8,115,233 8,186,718 8,020,395 8,020,395 7,093,653 7,795,573 6,900,261 7,045,748 7,045,748 7,411,645 6,369,956 5,727,832 5,957,095 8,416,353 6,212,429 6,212,429 6,217,160 5,885,436 5,785,112 5,885,436 9,509,825 5,596,488 5,491,098 5,104,699 5,198,658 9,917,318 4,751,070 4,599,823 4,571,289 9,546,390 4,595,152 4,351,656 8,684,511  9,703,237 9,703,237    2,651,372,000,000         
        other financial liabilities
      		296,273 201,345 201,345 214,434 201,345 292,911,000,000 184,318 160,324 132,064 132,064 222,722 187,647 215,400 240,902 249,547 249,547 242,030 243,684 225,820 244,622 244,622 238,331 216,741 224,888 220,527 311,567 207,226 207,226 218,237 208,671 205,125 208,671 337,194 198,492 189,932 201,040 189,781 362,039 201,339 210,210 192,611 402,237 189,627 187,381 321,357  358,759 358,759    103,278,000,000         
        lease liabilities
      		104,516  140,011  140,011                                                        
        regulatory capital financial instruments
      		1,813,938                                                            
        provisions
      		283,971 567.649 371,003 448,640 371,003 612,829,000,000 456,120 340,793 264,702 264,702 357,686 267,836 329,940 275,750 206,306 206,306 324,329 339,901 277,098 238,766 238,766 324,584 223,799 316,637 329,118 388,525 264,365 264,365 204,262 319,333 310,592 319,333 470,090 236,274 194,812 271,262 236,232 414,556 176,247  220,993 400,535 173,943 155,498 329,299  323,218 323,218   122,990,000,000 162,165,000,000         
        other liabilities
      		1,683,654 1.267 1,267,199 1,124,861 1,267,199 1,536,527,000,000 1,165,853 1,266,085 1,584,418 1,584,418 2,051,004 1,151,524 900,408 883,071 784,785 784,785 745,363 982,368 842,592 792,986 792,986 997,313 963,571 879,962 1,045,869 1,477,634 1,152,175 1,152,175 905,724 784,148 220,853 784,148 1,075,990 305,060 286,301 383,277 198,777 594,199 179,893 341,508 341,274 712,695 434,408 446,595 1,083,472  1,006,460 1,006,460 15,128,629,000,000  201,864,000,000 292,182,000,000  327,831,500,000       
        total liabilities
      		65,746,944 60,330,463 60,132,217 55,394,481 60,132,217 75,667,251,000,000 52,123,478 53,439,357 57,331,925 57,331,925 55,735,740 43,174,101 35,911,647 34,896,175 34,546,108 34,546,108 32,696,216 33,221,394 32,134,334 31,881,122 31,881,122 33,710,060 33,388,061 31,995,447 31,889,225 44,977,544 32,040,309 32,040,309 29,821,265 29,014,032 27.891 29,014,032 46,521,261 27,231,638 25,195,507 25,454,216 24.662 47,214,367 23,804,937 22,760,586 22,591,702 47,118,106 22,848,346 23,238,869 45,537,119  48,726,351 48,726,351   17,877,725,000,000 19,534,524,000,000  14,198,775,400,000       
        equity
      		                                                            
        attributable to the shareholders of the bank:
      		5,217,760  3,284,039  3,284,039                                                        
        capital
      		891,303 3,281,011 891,303 891,303 891,303 1,217,494,000,000 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 891,303 1,259,258 891,303 891,303 891,303 891,303 891,303 891,303 1,465,164 891,303 891,303 891,303 891,303 1,700,311 891,303 891,303 891,303 1,861,341 891,303 891,303 1,715,199  1,907,142 1,907,142   891,303,000,000 891,303,000,000         
        reserves
      		3,160,610 891.303 2,550,559 2,548,965 2,550,559 3,481,812,000,000 2,341,986 2,341,986 2,341,986 2,341,986 2,121,148 2,159,783 1,923,022 1,923,022 1,923,022 1,923,022 1,781,818 1,781,818 1,781,818 1,781,817 1,781,817 1,640,112 1,640,112 1,527,893 1,527,893 2,158,651 1,527,893 1,527,893 1,527,893 1,307,761 1,307,761 1,307,761 2,149,756 1,307,761 1,307,761 1,130,991 1,130,991 2,157,556 1,130,962 975,460 976,561 2,039,388 976,561 51,539 99,180  110,279 110,279   -16,960,000,000 51,539,000,000 -400,176,000,000        
        valuation adjustments
      		-5,242 2.548 -621,046 -367,277 -621,046 -501,690,000,000 -27,586 14,185 54,695 54,695 -5,293 2,546 10,890 -33,231 -28,318 -28,318 -2,312 -4,348 -2,279 17,162 17,162 6,763 4,053 474 1,288 1,820 -25,535 -25,535 -6,509 -23,592 25,600 -23,592 42,082 -4,444 6,785 -6,069 -5,964 -11,377  -1,152  -7,896 -1,828 3,946 1,141  -16,756 -16,756    -7,552,000,000         
        others equity instruments issued other than capital
      		608,721                                                            
        retained earnings
      		537,461 380,239 463,223 257,034 463,223 351,101,000,000 362,213 399,436 325,839 325,839 487,275 304,770 414,331 304,681 213,872 213,872 395,371 501,082 301,096 204,968 204,968 430,313 169,217 402,022 314,215 497,160 255,567 255,567 165,089 452,066 385,232 452,066 686,011 288,113 211,021 408,638 309,348 624,994 187,561 328,414 271,577 624,486 192,195 1,081,823 1,893,703  1,993,059 1,993,059             
        retained earnings from prior years
      		131,862                 564,815    472,351  448,878      550,331  550,331 30,220   441,926  34,369                       
        income for the year
      		579,427            591,902    564,815 151,016               936,844   141,843  843,750    744,477           289,406,000,000        
        minus: benefit from mandatory dividends
      		-148,921            -177,571     -214,749          -109,528    -193,742 -281,053               -165,493             
        non-controlling interest
      		124,735 91,415 91,415 88,246 91,415 120,541,000,000 84,683 82,226 80,995 80,995 80,285 46,936 46,163 43,706 43,251 43,251 41,883 42,613 46,443 30,058 30,058 29,987 31,021 30,556 30,181 42,641 34,413 34,413 32,593 36,661 33,083 36,661 54,383 31,461 28,536 28,847 28,504 54,376 27,388 34,830 34,265 71,557 33,485 31,272 62,144                
        total equity
      		5,342,495 3,372,426 3,375,454 3,418,271 3,375,454 4,669,259,000,000 3,652,599 3,729,136 3,694,818 3,694,818 3,574,718 3,405,338 3,285,709 3,129,481 3,043,130 3,043,130 3,108,063 3,212,468 3,018,381 2,925,308 2,925,308 2,998,478 2,735,706 2,852,248 2,764,880 3,959,530 2,683,641 2,683,641 2,610,369 2,664,199 2.642 2,664,199 4,397,396 2,514,194 2,445,406 2,453,710 2,354,182 4,525,860 2,240,502 2,228,855 2,169,925 4,588,876 2,091,716 2,059,883 3,771,367 3,888,649,000,000 4,060,421 4,060,421 3,982,492,000,000            
        total liabilities and equity
      		71,089,439 63,702,889 63,507,671 58,812,752 63,507,671 80,336,510,000,000 55,776,077 57,168,493 61,026,743 61,026,743 59,310,458 46,579,439 39,197,356 38,025,656 37,589,238 37,589,238 35,804,279 36,433,862 35,152,715 34,806,430 34,806,430 36,708,538 36,123,767 34,847,695 34,654,105 48,937,074 34,723,950 34,723,950 32,431,634 31,678,231 30,534,176 31,678,231 50,918,657 29,745,832 27,640,913 27,907,926 27,016,832 51,740,227 26,045,439 24,989,441 24,761,627 51,706,982 24,940,062 25,298,752 49,308,486  52,786,772 52,786,772             
        note
      		                                                            
        trading investments
      		 51,216  43,815  59,850,000,000 133,718 138,701 208,237 208,237 552,889 113,767 77,041 392,013 273,568 273,568 485,736 172,501 480,306 700,334 700,334 387,190 387,554 155,369 324,271 458,139 363,421 363,421 436,845 298,862 774,815 298,862 1,273,675 608,663 642,085 424,728 287,567 548,583 125,932 250,040 338,287 706,457 207,608 395,359 969,524  1,303,800 1,303,800    1,161,631,000,000  790,234,300,000       
        investments under resale agreements
      		       79,795       1,746 1,746       8,168  2,463 3,480        3,517   17,469 33,325 34,189  6,993 14,604  4,756 23,395  15,667 15,667             
        loans and accounts receivables from customers
      		 34,818,047  33,711,737   33,413,429 33,867,206 34,300,657 34,300,657 33,435,231 31,080,808 29,470,270 29,153,327 28,399,121 28,399,121 26,747,542 27,524,777 26,674,518 26,121,070 26,121,070 26,294,766 25,368,817 24,909,962 24,535,201  24,483,243 24,483,243 23,514,451 22,867,024 22,179,938 22,867,024  21,591,277 21,141,651    19,736,848        36,195,900 36,195,900             
        available for sale investments
      		 6,370,314  7,071,313   7,162,542 5,983,056 5,294,192 5,294,192 3,048,071 3,050,341 2,394,323 2,495,623 2,909,127 2,909,127 2,574,546 2,992,498 2,127,922 2,169,845 2,169,845 2,807,974 2,391,465 2,686,185 2,044,411 2,888,402 1,901,483 1,901,483 2,000,535 1,523,042 1,651,598 1,523,042 2,714,970 1,630,484 1,327,202 1,844,534 1,700,993 3,244,931 1,667,957 1,873,478 1,826,158 3,813,633 1,729,682 1,769,978 4,050,118  5,621,853 5,621,853    1,580,240,000,000         
        held to maturity investments
      		 2,692,995                                                           
        interbank borrowing
      		 9,139,050  8,013,918  10,946,779,000,000 6,328,599 6,396,982 5,453,484 5,453,484 3,002,998 2,040,967 1,788,626 1,793,188 1,553,212 1,553,212 1,698,357 1,322,512 1,401,117 1,830,856 1,830,856 1,491,687 1,952,761 1,316,766 1,307,574  1,177,381 1,177,381 1,133,910 770,518 1,231,601 770,518  1,313,386 1,725,218 1,859,698                         
        lease liabiilties
      		 140,011  144,753   149,585 147,112 149,983 149,983 156,554 152,103                                                 
        attributable to the equity holders of the bank
      		   3,330,025   3,567,916 3,646,910 3,613,823 3,613,823 3,494,433 3,358,402 3,239,546 3,085,775 2,999,879 2,999,879 3,066,180 3,169,855 2,971,939 2,895,250 2,895,250 2,968,491 2,704,685 2,821,692                                     
        financial assets held for trading
      		  51,216  51,216                                                        
        loans and account receivable at amortized cost
      		  34,613,811  34,613,811                                                        
        loans and account receivable at fair value through other comprehensive income
      		  114,525  114,525                                                        
        debt instrument at fair value through other comprehensive income
      		  8,872,749  8,872,749                                                        
        equity instruments at fair value through other comprehensive income
      		                                                            
        financial assets held to collect
      		  82,549  82,549                                                        
        unaudited consolidated statement of balance sheet data
      		                                                            
        loans and accounts receivable from customers
      		     46,049,253,000,000                    34,654,910       36,487,416   20,829,418 20,327,021 38,765,498  18,542,851 18,325,957 38,271,254 17,951,036 17,856,141                 
        available-for-sale investments
      		     9,659,208,000,000                                                       
        obligation for lease contracts
      		     197,728,000,000                                                       
        attributable to equity holders of the bank
      		     4,548,717,000,000                                                       
        income for the period
      		           435,386  435,258     430,137   142,375 241,739 125,439 448,878  365,095 365,095 235,841 95,477 550,331 95,477  411,590 301.459  441,926  267,944  387,967  274,565 224,002 640,745  551,642 551,642             
        minus: provision for mandatory dividends
      		           -130,616  -130,577   -169,444  -129,041   -184,413 -72,522 -172,295 -134,663  -109,528  -70,752 -193,742 -165,099   -123,477 -90.438 -175,131 -132,578 -253,125 -80,383  -116,390 -223,343 -82,370  -192,224  -165,493     -98,444,000,000         
        operating income
      		                                                            
        interest income
      		                                                            
        interest expense
      		                                                            
        net interest income
      		                                                        304,477,000,000    
        fee and commission income
      		                                                            
        fee and commission expense
      		                                                            
        net fee and commission income
      		                                                            
        net income from financial operations
      		                                                            
        net foreign exchange gain
      		                                                            
        other operating income
      		                                                            
        net operating profit before benefit from loan losses
      		                                                            
        benefit from loan losses
      		                                                 -431,771,000,000           
        net operating profit
      		                                                            
        personnel salaries and expenses
      		                                                            
        administrative expenses
      		                                                            
        depreciation and amortization
      		                                                            
        impairment of property, plant, and equipment
      		                                                            
        other operating expenses
      		                                                            
        total operating expenses
      		                                                            
        income from investments in associates and other companies
      		                                                            
        income before tax
      		                                                            
        income tax expense
      		                                                            
        net income for the period
      		                                                   328,146,000,000         
        attributable to:
      		                                                            
        equity holders of the bank
      		                                                            
        earnings per share attributable to equity holders of the bank:
      		                                                            
        basic earnings
      		                                                            
        diluted earnings
      		                                                            
        attributable to the bank’s shareholders:
      		                        2,734,699      2,609,896          2,135,660 4,517,319                   
        attributable to the equity holders of the bank:
      		                         3,916,889                                   
        attributable to the bank`s shareholders:
      		                          2,649,228 2,649,228 2,577,776 2,627,538  2,627,538  2,482,733 2,416,870 2,424,863                         
        attributable to the bank's shareholders:
      		                                4,343,013    2,325,678 4,471,484  2,194,025                     
        attributable to the bank's shareholders
      		                                      2,213,114                      
        accumulated other comprehensive income
      		                                      3,288                      
        investments in other companies
      		                                       8,080 7,614  8,636 8,854 15,841  16,450 16,450    6,990,000,000 10,818,000,000 7,026,000,000       
        allowances
      		                                       229,784                   8,253,544,000,000  
        other comprehensive income
      		                                        -3,781                    
        retained earnings of prior years
      		                                         103,352  925,022 1,445,182  1,606,909 1,606,909    413,053,000,000         
        investments under repurchase agreements
      		                                          152,022  436,915  681,808 681,808             
        attributable to bank shareholders:
      		                                          2,058,231  3,709,223  3,993,724 3,993,724   1,497,019,000,000          
        current tax
      		                                           24,181                 
        attributable to the bank’s shareholders
      		                                           2,028,611                 
        unsettled transactions
      		                                            1,571,444  1,780,710 1,780,710             
        loans and accounts receivable from customers, net nnrnetnet
      		                                            33,021,822                
        deferred tax
      		                                            276,028                
        unaudited condensed consolidated interim statement of financial position data
      		                                                            
        financial investments
      		                                             5,043,037,000,000   4,326,605,000,000 4,266,230,000,000           
        loans and accounts receivable from customers and interbank loans net of allowance for loan losses
      		                                             33,260,490,000,000               
        other non-financial assets
      		                                             3,708,299,000,000               
        deposits
      		                                             26,733,384,000,000   24,564,998,000,000 23,047,544,000,000    7,336,518,400,000 8,075,521,000,000 6,747,265,000,000 5,526,688,000,000 6,522,038,000,000 6,522,038,000,000 3,702,954,000,000 
        other interest bearing liabilities
      		                                             13,339,744,000,000    12,450,353,000,000           
        equity attributable to bank shareholders
      		                                             3,826,505,000,000               
        non controlling interest
      		                                              66,697 66,697  -205,000,000           
        consolidated statement of financial position data
      		                                                            
        loans
      		                                                33,608,894,000,000 31,643,235,000,000           
        loan loss allowance
      		                                                -945,169,000,000 -886,759,000,000           
        consolidated statement of income data
      		                                                            
        net interest revenue
      		                                                 1,463,567,000,000           
        fee income
      		                                                 401,003,000,000           
        operating costs
      		                                                 -693,799,000,000           
        other income
      		                                                 137,507,000,000           
        income before taxes
      		                                                 876,507,000,000           
        income tax
      		                                                 -117,341,000,000           
        net income
      		                                                 759,166,000,000    72,188,500,000   178,516,000,000    
        net income attributable to:
      		                                                            
        net income attributable to shareholders
      		                                                 759,371,000,000           
        net income attributable to shareholders per share
      		                                                 4,030,000           
        net income attributable to shareholders per ads
      		                                                 4,186,790,000           
        dividends per share
      		                                                 2,830,000           
        dividends per ads
      		                                                 2,949,700,000           
        weighted-average shares outstanding
      		                                                            
        weighted-average ads outstanding
      		                                                            
        cash and balances from the central bank
      		                                                 3,148,117,000,000           
        total shareholder’s equity
      		                                                 3,784,288,000,000           
        attributable to shareholders
      		                                                 3,723,089,000,000           
        cash and bank deposits
      		                                                  942,065,000,000          
        operations pending settlement
      		                                                  426,647,000,000          
        instruments for trading
      		                                                  1,003,448,000,000          
        repurchase contracts and securities loans
      		                                                  13,212,000,000          
        owed by banks
      		                                                  57,800,000,000          
        credits and accounts receivable from customers
      		                                                  13,087,295,000,000          
        investment instruments available for sale
      		                                                  1,444,802,000,000          
        investment instruments held to maturity
      		                                                            
        equity in companies
      		                                                  7,145,000,000          
        intangibles
      		                                                  69,356,000,000          
        fixed assets
      		                                                  190,997,000,000          
        demand deposits and other demand obligations
      		                                                  3,083,814,000,000          
        time deposits and other funds obtained
      		                                                  8,342,396,000,000          
        obligations toward banks
      		                                                  1,140,901,000,000          
        debt instruments issued
      		                                                  2,622,275,000,000          
        other financial obligations
      		                                                  149,046,000,000          
        shareholders’ equity
      		                                                      1,081,832,000,000 1,031,754,000,000 1,017,392,000,000 1,032,570,000,000 1,032,570,000,000 574,124,000,000 
        valuation accounts
      		                                                  -14,199,000,000          
        retained profits:
      		                                                  636,875,000,000          
        retained earnings from prior fiscal years
      		                                                  508,045,000,000          
        profit for fiscal year
      		                                                  184,043,000,000          
        minus: benefit from minimum dividends
      		                                                  -55,213,000,000          
        minority interest
      		                                                  30,920,000,000 24,565,000,000 33,909,000,000 17,464,200,000       
        total shareholders’ equity
      		                                                  1,527,939,000,000 1,602,610,000,000         
        total liabilities and shareholders’ equity
      		                                                  19,405,664,000,000 21,137,134,000,000         
        unsettled transaction
      		                                                   335,405,000,000         
        investment under agreements to resell
      		                                                            
        loans and receivables from customers
      		                                                   14,319,370,000,000         
        intangibles assets
      		                                                   73,089,000,000         
        property. plant and equipment
      		                                                   260,105,000,000         
        deposits and other sight liabilities
      		                                                   2,949,757,000,000         
        investment under agreements to repurchase
      		                                                   563,234,000,000         
        deposits and other time deposits
      		                                                   9,756,266,000,000         
        attributable to owners of the parent:
      		                                                   1,578,045,000,000         
        retained earnings:
      		                                                   642,755,000,000         
        tier i
      		                                                    1,075,377,000,000 1,244,997,000,000       
        tier ii
      		                                                    467,469,000,000 470,098,000,000       
        regulatory capital
      		                                                    1,542,846,000,000 1,715,095,000,000       
        risk weighted assets
      		                                                    11,851,230,000,000 11,741,425,000,000       
        tier i ratio
      		                                                    9,100,000 10,600,000       
        bis ratio
      		                                                    13,000,000 14,600,000       
        a s s e t s
      		                                                            
        cash and due from banks
      		                                                       948,249,000,000 984,068,000,000   591,823,000,000 
        noninterest bearing
      		                                                    1,403,285,000,000        
        interbank deposits-interest bearing
      		                                                    552,236,000,000        
        total cash and due from banks
      		                                                    1,955,521,000,000        
        trading
      		                                                    1,268,240,000,000        
        available for sale
      		                                                    1,277,589,000,000 360,744,900,000       
        held to maturity
      		                                                            
        investment collateral under agreements to repurchase
      		                                                    58,975,000,000        
        total financial investments
      		                                                    2,604,804,000,000        
        commercial loans
      		                                                    8,001,151,000,000        
        consumer loans
      		                                                    3,581,211,000,000        
        mortgage loans
      		                                                    814,746,000,000        
        foreign trade loans
      		                                                    1,257,346,000,000        
        leasing
      		                                                    1,536,533,000,000 787,286,700,000       
        other outstanding loans
      		                                                    5,603,175,000,000        
        past due loans
      		                                                    200,299,000,000        
        contingent loans
      		                                                    2,113,798,000,000        
        total loans
      		                                                    23,372,272,000,000 12,039,612,400,000       
        derivatives
      		                                                    795,028,000,000 377,627,900,000       
        bank premises and equipment
      		                                                    430,153,000,000 222,227,800,000       
        foreclosed assets
      		                                                    21,272,000,000        
        assets to be leased
      		                                                    76,336,000,000        
        other
      		                                                    1,466,582,000,000        
        total other assets
      		                                                    2,005,161,000,000        
        liabilities and shareholders' equity
      		                                                            
        current accounts
      		                                                    3,262,868,000,000        
        bankers drafts and other deposits
      		                                                    1,758,948,000,000        
        total non-interest bearing deposits
      		                                                    5,021,816,000,000        
        savings accounts and time deposits
      		                                                    13,919,191,000,000        
        total deposits
      		                                                    18,941,007,000,000        
        banco central de chile borrowings
      		                                                            
        credit lines for renegotiation of loans
      		                                                    8,164,000,000        
        other banco central borrowings
      		                                                    193,621,000,000        
        total banco central borrowings
      		                                                    201,785,000,000        
        investments sold under agreements to repurchase
      		                                                    301,202,000,000        
        mortgage finance bonds
      		                                                    918,146,000,000 509,696,900,000       
        other borrowings
      		                                                            
        bonds
      		                                                    1,416,165,000,000        
        subordinated bonds
      		                                                    904,257,000,000 491,132,500,000       
        borrowings from domestic financial institutions
      		                                                            
        foreign borrowings
      		                                                    2,206,805,000,000 615,929,900,000       
        other obligations
      		                                                    99,344,000,000 70,046,800,000       
        total other borrowings
      		                                                    4,626,571,000,000        
        total other interest bearing liabilities
      		                                                    6,047,704,000,000        
        contingent liabilities
      		                                                    2,117,257,000,000 1,012,879,600,000       
        total other liabilities
      		                                                    2,724,039,000,000        
        shareholders' equity
      		                                                          1,917,506,000,000  
        capital and reserves
      		                                                    2,038,436,000,000 1,247,268,500,000       
        total shareholders' equity
      		                                                    2,327,842,000,000 1,317,184,900,000       
        total liabilities and
      		                                                            
        shareholder's equity
      		                                                    30,732,786,000,000        
        cash
      		                                                     1,016,203,000,000       
        loans:
      		                                                            
        commercial
      		                                                     4,172,835,300,000       
        foreign trade
      		                                                     869,614,600,000       
        consumer
      		                                                     1,869,317,900,000       
        letters of credit
      		                                                     456,482,400,000       
        contingent
      		                                                     1,010,376,300,000       
        other loans
      		                                                     2,775,761,800,000       
        past due
      		                                                     97,937,400,000       
        less: loan loss allowance
      		                                                     -200,021,000,000       
        total net loans
      		                                                     11,839,591,400,000       
        other credit operations:
      		                                                            
        investments purchased under agreements to resell
      		                                                     46,691,500,000       
        total other credit operations:
      		                                                     215,245,600,000       
        non-trading investments
      		                                                            
        total non-trading investments
      		                                                     360,744,900,000       
        total fixed assets
      		                                                     229,253,800,000       
        liabilities & shareholders' equity
      		                                                            
        deposits and other obligations
      		                                                            
        checking accounts
      		                                                     1,676,370,100,000       
        other demand deposits
      		                                                     811,668,700,000       
        investments under agreements to repurchase
      		                                                     167,280,000,000       
        total deposits and other obligations
      		                                                     11,514,413,700,000       
        senior bonds
      		                                                     562,285,100,000       
        total bonds
      		                                                     1,053,417,600,000       
        borrowings for other financial institutions
      		                                                            
        and central bank of chile
      		                                                            
        credit lines for renegotiations of loans
      		                                                     4,605,100,000       
        other central bank borrowings
      		                                                     237,241,100,000       
        total borrowing form financial institutions
      		                                                     927,822,900,000       
        other equity accounts
      		                                                     -2,272,100,000       
        total liabilities and shareholders' equity
      		                                                     15,533,424,500,000       
        consolidated
      		                                                            
        income
      		                                                            
        statement
      		                                                            
        data
      		                                                            
        net income per ads
      		                                                      1,246,260,000 1,096,800,000 985,350,000 816,410,000  909,620,000 
        weighted-average shares
      		                                                            
        outstanding (in
      		                                                            
        millions) us gaap
      		                                                      188,446,100,000   188,446,100,000   
        weighted-average ads
      		                                                            
        consolidated balance sheet datam
      		                                                            
        chilean gaap:
      		                                                            
        cash and due from
      		                                                            
        banks
      		                                                      1,224,962,000,000   1,048,680,000,000 1,048,680,000,000  
        investments
      		                                                      1,249,495,000,000 1,989,486,000,000 1,913,617,000,000 2,679,370,000,000 2,679,370,000,000 1,005,950,000,000 
        loans, net of allowances
      		                                                      9,996,407,000,000 8,446,353,000,000 7,450,406,000,000 8,253,544,000,000  5,267,550,000,000 
        loan loss allowances
      		                                                      -147,866,000,000   -179,727,000,000   
        other interest-bearing
      		                                                            
        u.s. gaap:
      		                                                            
        long-term borrowings
      		                                                      1,427,677,000,000 1,805,032,000,000 2,397,506,000,000 3,314,851,000,000  3,859,714,000,000 
        goodwill
      		                                                      789,779,000,000 762,187,000,000 743,742,000,000 789,779,000,000 789,779,000,000 536,213,000,000 
        consolidated income statement data
      		                                                            
        weighted-average ads outstanding (in millions) us gaap
      		                                                       181,377,000 181,377,000   181,377,000 
        consolidated balance sheet data
      		                                                            
        other interest-bearing liabilities
      		                                                       3,164,682,000,000 3,390,732,000,000   2,412,558,000,000 
        provision for loan losses
      		                                                            
        amortization of goodwill
      		                                                            
        net income per share
      		                                                        950,000    
        balance
      		                                                            
        sheet data
      		                                                            
        loans, net of
      		                                                            
        loan loss
      		                                                            
        other interest-
      		                                                            
        bearing liabilities
      		                                                          4,203,590,000,000  
        long-term
      		                                                            
        borrowings
      		                                                          3,314,851,000,000  
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2015-03-31 
         
          note
        		 
          a – cash flows from operating activities:
        		 
          net income for the period
        		 
          debits (credits) to income that do not represent cash flows
        		-384,129 
          depreciation and amortization
        		12,134 
          impairments of property, plant and equipment and intangibles
        		 
          benefit from loan losses
        		95,369 
          provision from trading investments mark to market
        		 
          income from investments in associates and other companies
        		-485 
          net gain on sale of assets received in lieu of payment
        		-3,060 
          provision on assets received in lieu of payment
        		2,826 
          net gain on sale of associates and other companies
        		 
          net gain on sale of controlled companies
        		 
          net gain on sale of property, plant and equipment
        		 
          charge off of assets received in lieu of payment
        		1,324 
          net interest income
        		-273,419 
          net fee and commission income
        		-55,461 
          other (credits) debits to income that do not represent cash flows
        		 
          changes in deferred taxes
        		15,427 
          increase/decrease in operating assets and liabilities
        		426,442 
          increase of loans and accounts receivables from customers
        		-687,086 
          increase of financial investments
        		604,509 
          decrease
        		 
          decrease (increase) of interbank loans
        		 
          increase of assets received or awarded in lieu of payment
        		 
          increase of debits in customers checking accounts
        		10,706 
          increase of time deposits and other time liabilities
        		817,061 
          increase of obligations with domestic banks
        		-66,006 
          increase of other demand liabilities or time obligations
        		-50,419 
          increase of obligations with foreign banks
        		-395,051 
          increase of obligations with central bank of chile
        		-26 
          increase of obligations under repurchase agreements
        		-166,536 
          increase in other financial liabilities
        		3,546 
          net increase of other assets and liabilities
        		2,000 
          redemption of letters of credit
        		-1,551 
          mortgage bond issuances
        		 
          senior bond issuances
        		162,455 
          redemption mortgage bonds and payments of interest
        		 
          redemption and maturity of senior bonds and payments of interest
        		 
          interest received
        		400,715 
          interest paid
        		-127,296 
          dividends received from investments in other companies
        		 
          fees and commissions received
        		94,552 
          fees and commissions paid
        		-39,091 
          total cash flow provided by operating activities
        		182,701 
          consolidated interim financial statements june 2020 / banco santander-chile 7
        		 
          impairments of property, plant, and equipment and intangibles
        		 
          net gain on sale of property, plant, and equipment
        		-81 
          other debits (credits) to income that do not represent cash flows
        		-162,618 
          redemption of mortgage bonds and payments of interest
        		 
          redemption of senior bonds and payments of interest
        		 
          b – cash flows from investment activities:
        		 
          purchases of property, plant, and equipment
        		 
          sales of property, plant, and equipment
        		 
          purchases of investments in associates and other companies
        		 
          sales of investments in associates and other companies
        		 
          purchases of intangible assets
        		 
          total cash flow provided by investment activities
        		 
          c – cash flow from financing activities:
        		 
          from shareholder´s financing activities
        		 
          increase in other obligations
        		 
          subordinated bonds issuance
        		 
          redemption of subordinated bonds and payments of interest
        		 
          dividends paid
        		 
          from non-controlling interest financing activities
        		 
          dividends and/or withdrawals paid
        		 
          total cash flow used in financing activities
        		 
          d – net increase in cash and cash equivalents during the period
        		 
          e – effects of foreign exchange rate fluctuations
        		 
          f – cash and cash equivalents initial balance
        		 
          cash and cash equivalents final balance
        		 
          redemption and maturity of of senior bonds and payments of interest
        		 
          consolidated interim financial statements march 2018 / banco santander chile 7
        		 
          impairments of property, plant, and equipment
        		 
          mark to market of trading investments
        		-6,085 
          f – initial balance of cash and cash equivalents
        		 
          final balance of cash and cash equivalents
        		 
          income before tax
        		130,388 
          impairment of property, plant, and equipment
        		 
          decrease of loans and accounts receivables from customers
        		 
          decrease of financial investments
        		 
          increase of interbank loans
        		-99,135 
          increase of assets received or awarded in lieu of payments
        		-1,587 
          (decrease) of obligations with foreign banks
        		 
          (decrease) of obligations with central bank of chile
        		 
          net decrease of other assets and liabilities
        		 
          issuance under mortgage bonds program
        		 
          income tax paid
        		-31,318 
          consolidated interim financial statements september 2015 / banco santander chile 7
        		 
          increase due to resale agreements
        		 
          consolidated interim financial statements march 2015 / banco santander chile 7
        		 
          a - cash flows from operating activities
        		 
          consolidated income before tax
        		 
          income from investments in other companies
        		 
          provisions for assets received in lieu of payment
        		 
          net gain on sale of investments in other companies
        		 
          changes to income that do not represent cash flows
        		 
          changes in assets and liabilities due to deferred taxes
        		 
          increase of foreign investments
        		 
          proceeds from maturity of resale agreements
        		 
          decrease of assets received or awarded in lieu of payment
        		 
          increase obligations with domestic banks
        		 
          decrease of obligations with central bank of chile
        		 
          increase due to repurchase agreements
        		 
          increase by other financial liabilities
        		 
          net cash flow provided by operating activities
        		 
          financial statements 2012 / banco santander chile 9
        		 
          a – cash flows from operating activities
        		 
          decrease (increase) of loans and accounts receivables from customers
        		 
          decrease (increase) of financial investments
        		 
          increase of debits in checking accounts
        		 
          increase of other short-term liabilities
        		 
          net cash from operating activities
        		 
          capital expenditures
        		 
          free cash flows
        		 
          purchases of investments in other companies
        		 
          sales of investments in other companies
        		 
          purchases of intangibles assets
        		 
          net cash from investment activities
        		 
          from shareholders’ financing activities
        		 
          increase of other obligations
        		 
          issuance of subordinated bonds
        		 
          from non controlling interest financing activities
        		 
          increases of capital
        		 
          net cash from financing activities
        		 
          d – variation of cash and cash equivalents during the period
        		 
          e – effects of foreign exchange rate variations
        		 
          flows arising from operating activities:
        		 
          consolidated profit for fiscal year
        		 
          debits (credits) to income not implying changes of cash:
        		 
          provisions for credits, customer accounts receivable, and write-offs
        		 
          adjustment of financial instruments to market value
        		 
          (profit) loss on equity in companies
        		 
          (profit) loss on sale of assets received in payment
        		 
          (profit) loss on sale of fixed assets
        		 
          write-off of assets received in payment
        		 
          other debits (credits) not implying changes of cash
        		 
          net variation of interest, adjustments, and fees earned on assets and liabilities
        		 
          total operating flows
        		 
          flow arising from investment activities:
        		 
          net increase of credits and accounts receivable
        		 
          net increase of investments
        		 
          purchases of fixed assets
        		 
          sales of fixed asset
        		 
          increase of equity in companies
        		 
          dividends received from equity in companies
        		 
          revenue from goods received in payment
        		 
          total investment flows
        		 
          flow arising from financing activities:
        		 
          increase of receivables in current account
        		 
          increase of deposits and receipts of funds
        		 
          increase of other demand or time obligations
        		 
          increase of obligations for intermediation of documents
        		 
          increase of external loans, short and long-term
        		 
          issuance of letters of credit
        		 
          loans obtained from central bank of chile
        		 
          payment of loans from central bank of chile
        		 
          bond issues
        		 
          bond redemptions
        		 
          other loans obtained, short and long term
        		 
          payment of other long-term loans
        		 
          capital increase
        		 
          total financing flows
        		 
          sub total
        		 
          variation of cash and cash equivalents during the period
        		 
          initial balance of cash and cash equivalents
        		 
          shareholders’ equity before changes in standards
        		 
          adjustments:
        		 
          perimeter of consolidation
        		 
          supporting companies
        		 
          monetary correction
        		 
          fixed and intangible assets
        		 
          goods received or given in payment:
        		 
          write-offs of placements
        		 
          deferred taxes
        		 
          subtotal
        		 
          shareholders’ equity according to the new compendium of accounting standards
        		 
          cash flows operating activities :
        		 
          net income for the year
        		 
          items that do not represent cash flows:
        		 
          provision for loan losses
        		 
          mark to market of trading investment
        		 
          share of profit in equity method investments
        		 
          (gain) loss on sales of goods received in lieu of payment
        		 
          (gain) loss on sales of investment in other entities
        		 
          (gain) loss on sales of bank premises and equipment
        		 
          write-offs of assets received in lieu of payment
        		 
          price-level restatement
        		 
          other non- monetary charges
        		 
          net change in interest accruals
        		 
          cash flows from investing activities :
        		 
          net decrease in loans
        		 
          decrease in other financial investments
        		 
          purchases of bank premises and equipment
        		 
          proceeds from sales of bank premises and equipment
        		 
          investments in other companies
        		 
          decrease in investments in companies
        		 
          net change in goods received in lieu of payment
        		 
          net (increase) in other assets and liabilities
        		 
          net cash from investing activities
        		 
          cash flows from financing activities :
        		 
          net increase in current accounts
        		 
          net increase in savings accounts and time deposits
        		 
          net increase in bankers drafts and other deposits
        		 
          net increase in investments sold under agreements to repurchase
        		 
          (increase) decrease of overseas of short and long term loans
        		 
          short-term borrowings repaid
        		 
          increase in mortgage finance bonds
        		 
          repayments of mortgage finance bonds
        		 
          central bank borrowings
        		 
          proceeds from bond issues
        		 
          repayments of bond issues
        		 
          other long term lending
        		 
          effect of price-level restatement on cash and cash equivalents
        		 
          net increase in cash and cash equivalents
        		 
          cash and cash equivalents, beginning of period
        		 
          cash and cash equivalents, end of the year
        		 
          non cash movements
        		 
          cash paid during the year for:
        		 
          interest
        		 
          taxes
        		 
          cash flows from operating activities
        		 
          net income
        		 
          market value of financial investments
        		 
          loss on sales of bank premises and equipment
        		 
          gain on sales of goods received in lieu of payment
        		 
          net change in other assets and other liabilities
        		 
          minority interest
        		 
          others
        		 
          cash flows from investing activities
        		 
          net change of assets received in lieu of payment
        		 
          investment in other companies
        		 
          sales of investments in companies
        		 
          net change in other financial investments
        		 
          dividends received from equity method investments
        		 
          cash flows from financing activities
        		 
          net increase in bankers’ drafts and other deposits
        		 
          net increase in investments under agreements to repurchase
        		 
          short-term funds borrowed
        		 
          proceeds from issuance of long-term borrowings
        		 
          effect of price – level restatement on cash and due from banks
        		 
          net increase in cash and due from banks
        		 
          cash and due from banks, beginning of year
        		 
          cash and due from banks, end of year