Banco Santander-Chile is the largest bank in Chile by loans, offering a broad range of banking products and services to individuals, SMEs, mid-sized companies, and large corporations. The bank is retail-oriented, with roughly 76% of its loan book in retail banking — primarily consumer loans, credit cards, auto loans, mortgages, and SME lending. Santander-Chile distributes through 229 branches, 2,055 ATMs, and a digital platform serving close to 4.6 million clients. About 41% of branches operate under a "Work/Café" format — coffee shop-style branches designed to drive foot traffic and digital engagement. Santander-Chile is a subsidiary of Grupo Santander, which controls approximately 67% of its shares, providing access to group technology, risk frameworks, and international capabilities. The bank earns primarily through net interest income, fee income, and financial transaction income. A distinctive feature of the business is its structural exposure to Chilean inflation: a large share of assets are denominated in UF, an inflation-indexed unit, making NIM meaningfully sensitive to inflation outcomes. Fee income has grown from roughly 15% to 21% of revenues and includes credit card fees, payments acquiring through its Getnet subsidiary, mutual fund commissions, and insurance brokerage. The bank targets an efficiency ratio in the mid-30s and achieved approximately 36% in FY25. Santander-Chile's strategy focuses on growing its digital client base toward 5 million, expanding fee income to reduce NII dependence, and maintaining ROE above 20% with a dividend payout of 60%–70% of net income.