Bankinter, S.A. Q3 2025 Earnings Recap

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.