Bankinter Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	3,865	3,850	3,151	1,651	1,274
Interest Income on Investments	25.84	565.09	541.92	134.68	193.44
Total Interest Income	3,891	4,415	3,693	1,786	1,467
Interest Paid on Deposits	1,628	2,121	1,464	230.88	171.07
Net Interest Income	2,263	2,294	2,229	1,555	1,296
Net Interest Income Growth (YoY)	-1.33%	2.90%	43.36%	19.97%	2.36%
Income From Trading Activities	32.19	-48.13	73.18	26.25	16.56
Gain (Loss) on Sale of Assets	-25.12	-9.43	-7.25	-10.69	-11.58
Gain (Loss) on Sale of Investments	-	2.23	-13.63	17.78	23.51
Gain (Loss) on Sale of Equity Investments	48.86	34.86	31.58	36.6	33.37
Other Non-Interest Income	702.89	595.22	301.64	414.51	454.04
Total Non-Interest Income	758.82	598.82	414.75	518.85	548.02
Non-Interest Income Growth (YoY)	26.72%	44.38%	-20.06%	-5.32%	28.22%
Revenues Before Loan Losses	3,022	2,892	2,644	2,074	1,844
Provision for Loan Losses	312.47	359.4	328.39	252.94	263.24
Revenue	2,709	2,533	2,315	1,821	1,581
Revenue Growth (YoY)	6.96%	9.41%	27.16%	15.18%	24.71%
Salaries and Employee Benefits	638.23	594.81	557.92	508.86	472.79
Amortization of Goodwill & Intangibles	-	87.45	82.07	80.09	77.79
Selling, General & Administrative	461.26	355.45	336.69	329.09	302.63
Other Non-Interest Expense	74.62	25.92	26.32	37.56	54.79
Total Non-Interest Expense	1,174	1,064	1,003	955.6	907.99
EBT Excluding Unusual Items	1,535	1,469	1,312	865	672.68
Asset Writedown	-	-31.4	-13.23	-10.51	-7.93
Legal Settlements	-	-78.2	-70.05	-69.46	-128.05
Pretax Income	1,535	1,360	1,229	785.04	536.71
Income Tax Expense	445.2	406.73	384.05	224.83	139.28
Earnings From Continuing Operations	1,090	952.97	844.79	560.2	397.43
Earnings From Discontinued Operations	-	-	-	-	935.68
Net Income	1,090	952.97	844.79	560.2	1,333
Preferred Dividends & Other Adjustments	-	-	-	15.31	19.31
Net Income to Common	1,090	952.97	844.79	544.89	1,314
Net Income Growth	14.38%	12.81%	50.80%	-57.98%	320.38%
Basic Shares Outstanding	-	899	899	899	898
Diluted Shares Outstanding	-	925	928	899	900
Shares Change (YoY)	-	-0.34%	3.31%	-0.14%	-6.36%
EPS (Basic)	-	1.06	0.94	0.61	1.46
EPS (Diluted)	-	1.03	0.91	0.61	1.46
EPS Growth	-	13.19%	50.07%	-58.47%	342.42%
Dividend Per Share	0.452	0.530	0.470	0.312	0.243
Dividend Growth	-14.84%	12.81%	50.80%	28.08%	389.00%
Effective Tax Rate	29.00%	29.91%	31.25%	28.64%	25.95%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.