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	Sep '26 Sep 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	3,560	3,525	3,850	3,151	1,651	1,274
Interest Income on Investments	362.79	365.76	565.09	541.92	134.68	193.44
Total Interest Income	3,922	3,891	4,415	3,693	1,786	1,467
Interest Paid on Deposits	1,568	1,628	2,121	1,464	230.88	171.07
Net Interest Income	2,355	2,263	2,294	2,229	1,555	1,296
Net Interest Income Growth	5.05%	-1.33%	2.90%	43.36%	19.97%	2.36%
Income From Trading Activities	247.41	250.31	-48.13	73.18	26.25	16.56
Gain (Loss) on Sale of Assets	-0.84	-9.4	-9.43	-7.25	-10.69	-11.58
Gain (Loss) on Sale of Investments	14.74	14.74	2.23	-13.63	17.78	23.51
Gain (Loss) on Sale of Equity Investments	48.87	48.86	34.86	31.58	36.6	33.37
Other Non-Interest Income	515.66	458.53	595.22	301.64	414.51	454.04
Total Non-Interest Income	837.59	774.78	598.82	414.75	518.85	548.02
Non-Interest Income Growth	11.39%	29.39%	44.38%	-20.06%	-5.32%	28.22%
Revenues Before Loan Losses	3,192	3,038	2,892	2,644	2,074	1,844
Provision for Loan Losses	325.11	312.72	359.4	328.39	252.94	263.24
Revenue	2,867	2,725	2,533	2,315	1,821	1,581
Revenue Growth	7.71%	7.58%	9.41%	27.16%	15.18%	24.71%
Salaries and Employee Benefits	642.99	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	371.79	357.52	355.44	336.69	329.09	302.63
Other Non-Interest Expense	24.76	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	1,737	1,614	1,469	1,312	865	672.68
Asset Writedown	-15.72	-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	1,659	1,535	1,360	1,229	785.04	536.71
Income Tax Expense	479.76	445.2	406.73	384.05	224.83	139.28
Earnings From Continuing Operations	1,179	1,090	952.97	844.79	560.2	397.43
Earnings From Discontinued Operations	-	-	-	-	-	935.68
Net Income	1,179	1,090	952.97	844.79	560.2	1,333
Preferred Dividends & Other Adjustments	-	-	-	-	15.31	19.31
Net Income to Common	1,179	1,090	952.97	844.79	544.89	1,314
Net Income Growth	15.83%	14.38%	12.81%	55.04%	-58.53%	314.29%
Basic Shares Outstanding	898	901	899	899	899	898
Diluted Shares Outstanding	928	932	925	928	899	900
Shares Change	1.59%	0.69%	-0.34%	3.31%	-0.14%	-6.36%
EPS (Basic)	1.31	1.21	1.06	0.94	0.61	1.46
EPS (Diluted)	1.27	1.17	1.03	0.91	0.61	1.46
EPS Growth	14.02%	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	Sep '26 Sep 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	0.316	0.606	0.530	0.470	0.312	0.243
Dividend Growth	-62.01%	14.38%	12.81%	50.80%	28.08%	389.00%
Effective Tax Rate	28.92%	29.00%	29.91%	31.25%	28.64%	25.95%