Bankinter Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	3,481	3,525	3,850	3,151	1,651	1,274
Interest Income on Investments	361.25	365.76	565.09	541.92	134.68	193.44
Total Interest Income	3,842	3,891	4,415	3,693	1,786	1,467
Interest Paid on Deposits	1,524	1,628	2,121	1,464	230.88	171.07
Net Interest Income	2,317	2,263	2,294	2,229	1,555	1,296
Net Interest Income Growth	3.12%	-1.33%	2.90%	43.36%	19.97%	2.36%
Income From Trading Activities	28.78	250.31	-48.13	73.18	26.25	16.56
Gain (Loss) on Sale of Assets	-10.51	-9.4	-9.43	-7.25	-10.69	-11.58
Gain (Loss) on Sale of Investments	22.86	14.74	2.23	-13.63	17.78	23.51
Gain (Loss) on Sale of Equity Investments	50.99	48.86	34.86	31.58	36.6	33.37
Other Non-Interest Income	723.87	458.53	595.22	301.64	414.51	454.04
Total Non-Interest Income	827.74	774.78	598.82	414.75	518.85	548.02
Non-Interest Income Growth	13.09%	29.39%	44.38%	-20.06%	-5.32%	28.22%
Revenues Before Loan Losses	3,145	3,038	2,892	2,644	2,074	1,844
Provision for Loan Losses	315.6	312.72	359.4	328.39	252.94	263.24
Revenue	2,830	2,725	2,533	2,315	1,821	1,581
Revenue Growth	7.14%	7.58%	9.41%	27.16%	15.18%	24.71%
Salaries and Employee Benefits	641.61	638.23	594.81	557.92	508.86	472.79
Amortization of Goodwill & Intangibles	90.36	90.36	87.45	82.07	80.09	77.79
Selling, General & Administrative	364.32	357.52	355.44	336.69	329.09	302.63
Other Non-Interest Expense	29.26	25.34	25.92	26.32	37.56	54.79
Total Non-Interest Expense	1,130	1,111	1,064	1,003	955.6	907.99
EBT Excluding Unusual Items	1,700	1,614	1,469	1,312	865	672.68
Asset Writedown	-14.92	-15.72	-31.4	-13.23	-10.51	-7.93
Legal Settlements	-62.67	-62.67	-78.2	-70.05	-69.46	-128.05
Pretax Income	1,622	1,535	1,360	1,229	785.04	536.71
Income Tax Expense	468.71	445.2	406.73	384.05	224.83	139.28
Earnings From Continuing Operations	1,154	1,090	952.97	844.79	560.2	397.43
Earnings From Discontinued Operations	-	-	-	-	-	935.68
Net Income	1,154	1,090	952.97	844.79	560.2	1,333
Preferred Dividends & Other Adjustments	3.53	-	-	-	15.31	19.31
Net Income to Common	1,150	1,090	952.97	844.79	544.89	1,314
Net Income Growth	14.34%	14.38%	12.81%	55.04%	-58.53%	314.29%
Basic Shares Outstanding	901	901	899	899	899	898
Diluted Shares Outstanding	933	932	925	928	899	900
Shares Change	2.30%	0.69%	-0.34%	3.31%	-0.14%	-6.36%
EPS (Basic)	1.28	1.21	1.06	0.94	0.61	1.46
EPS (Diluted)	1.23	1.17	1.03	0.91	0.61	1.46
EPS Growth	11.77%	13.59%	13.19%	50.07%	-58.47%	342.42%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.767	0.606	0.530	0.470	0.312	0.243
Dividend Growth	44.73%	14.38%	12.81%	50.80%	28.08%	389.00%
Effective Tax Rate	28.89%	29.00%	29.91%	31.25%	28.64%	25.95%