Bankinter, S.A. Earnings Recaps
Q1 2026
Apr 23, 2026
Bankinter delivered robust Q1 2026 results with 7.6% net profit growth supported by disciplined volume expansion, margin management, and strong asset quality, demonstrating resilience amid geopolitical uncertainty.
Key takeaways
- Customer volumes increased by 6.5%, with notable growth in assets under management (+17%), underpinned by balanced, risk-adjusted expansion across core markets.
- Net interest income grew 5.5%, driven by higher volumes, improved margins, and deposit mix optimization, with deposit costs declining 6 basis points.
- Revenue diversification advanced, with fee income now constituting 26% of core revenues, reinforcing resilience in a shifting rate environment.
- Operational efficiency improved, with the cost-to-income ratio approaching 35%, and asset quality remained strong with NPLs below 2%.
- Strategic initiatives in Portugal and new investments in alternative assets position Bankinter for scalable, long-term growth and enhanced value creation.
Q3 2025
Oct 25, 2025
Bankinter reported strong third-quarter results for 2025, with net profit rising 11% year-on-year to EUR 812 million, driven by robust commercial activity and improved asset quality.
Key takeaways
- Net interest income improved sequentially, with a reduction in annual contraction from 5% to 3.5%.
- Retail deposits grew EUR 4 billion year-on-year to EUR 85 billion, supported by strong client acquisition, particularly in digital channels.
- The cost-to-income ratio improved to 36%, the best in the sector, as operating income rose 4.7% driven by increased volumes and consistent fee growth.
- Non-performing loan (NPL) ratio declined to 2.05%, reflecting effective risk management amid a diversified growth strategy.
- Core revenues reached EUR 762 million, marking a 2% year-on-year increase, signaling resilience amid challenging market conditions.