Bankinter, S.A. (BME:BKT)

Bankinter Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	3,436	3,850	3,151	1,651	1,274	1,275
Interest Income on Investments	574.46	565.09	541.92	134.68	193.44	129.77
Total Interest Income	4,011	4,415	3,693	1,786	1,467	1,405
Interest Paid on Deposits	1,769	2,121	1,464	230.88	171.07	138.75
Net Interest Income	2,242	2,294	2,229	1,555	1,296	1,266
Net Interest Income Growth (YoY)	-3.73%	2.90%	43.36%	19.97%	2.36%	7.46%
Income From Trading Activities	-53.49	-48.13	73.18	26.25	16.56	6.02
Gain (Loss) on Sale of Assets	-15.45	-9.43	-7.25	-10.69	-11.58	-16.17
Gain (Loss) on Sale of Investments	2.23	2.23	-13.63	17.78	23.51	20.24
Gain (Loss) on Sale of Equity Investments	47.84	34.86	31.58	36.6	33.37	28.77
Other Non-Interest Income	739.59	595.22	301.64	414.51	454.04	357.39
Total Non-Interest Income	744.79	598.82	414.75	518.85	548.02	427.4
Non-Interest Income Growth (YoY)	59.98%	44.38%	-20.06%	-5.32%	28.22%	-6.21%
Revenues Before Loan Losses	2,986	2,892	2,644	2,074	1,844	1,693
Provision for Loan Losses	331.59	359.4	328.39	252.94	263.24	426
Revenue	2,655	2,533	2,315	1,821	1,581	1,267
Revenue Growth (YoY)	8.94%	9.41%	27.16%	15.18%	24.71%	-15.28%
Salaries and Employee Benefits	657.27	594.81	557.92	508.86	472.79	446.7
Amortization of Goodwill & Intangibles	87.45	87.45	82.07	80.09	77.79	75.58
Selling, General & Administrative	363.07	355.45	336.69	329.09	302.63	306.59
Other Non-Interest Expense	17.23	25.92	26.32	37.56	54.79	204.77
Total Non-Interest Expense	1,125	1,064	1,003	955.6	907.99	1,034
EBT Excluding Unusual Items	1,530	1,469	1,312	865	672.68	233.81
Asset Writedown	-31.4	-31.4	-13.23	-10.51	-7.93	-3.27
Legal Settlements	-78.2	-78.2	-70.05	-69.46	-128.05	-
Pretax Income	1,420	1,360	1,229	785.04	536.71	230.54
Income Tax Expense	386.74	406.73	384.05	224.83	139.28	56.41
Earnings From Continuing Operations	1,033	952.97	844.79	560.2	397.43	174.13
Earnings From Discontinued Operations	-	-	-	-	935.68	143
Net Income	1,033	952.97	844.79	560.2	1,333	317.12
Preferred Dividends & Other Adjustments	-	-	-	15.31	19.31	-
Net Income to Common	1,033	952.97	844.79	544.89	1,314	317.12
Net Income Growth	15.97%	12.81%	50.80%	-57.98%	320.38%	-42.41%
Basic Shares Outstanding	905	899	899	899	898	906
Diluted Shares Outstanding	931	925	928	899	900	961
Shares Change (YoY)	0.58%	-0.34%	3.31%	-0.14%	-6.36%	6.93%
EPS (Basic)	1.14	1.06	0.94	0.61	1.46	0.35
EPS (Diluted)	1.11	1.03	0.91	0.61	1.46	0.33
EPS Growth	15.29%	13.19%	50.07%	-58.47%	342.42%	-44.94%
Dividend Per Share	0.530	0.530	0.470	0.312	0.243	0.050
Dividend Growth	392.11%	12.81%	50.80%	28.08%	389.00%	-83.01%
Effective Tax Rate	27.23%	29.91%	31.25%	28.64%	25.95%	24.47%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.