)
Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Bankinter (BKT) investor relations material
Bankinter Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net profit for the first nine months of 2025 reached €812 million, up 11% year-over-year, driven by robust commercial activity, sustainable growth, and disciplined execution across all geographies.
Customer volumes rose 9% to €234 billion, with lending and retail deposits each up 5% and AUMs up 20% compared to September 2024.
Maintained strong asset quality and efficiency, with a cost-to-income ratio at 36% and NPL ratio at 2.05%.
All business lines and regions contributed to growth, with Spain, Portugal, and Ireland showing notable volume increases.
Pre-tax profit reached €1.14 billion, up 5.6% year-over-year.
Financial highlights
Net interest income declined 3.5% year-over-year to €1.67 billion, while fee income grew 10.6% to €577 million.
Gross operating income increased 4.7% to €2.25 billion; pre-provision profit up 2.1% to €1.44 billion.
Operating expenses rose 9.4% to €815 million; cost of risk improved to 0.33%.
Customer loan book grew 5.3% to €82.5 billion; customer funds rose 11% to €151.1 billion.
Off-balance-sheet managed funds surged 19.9% to €65.8 billion.
Outlook and guidance
Loan and deposit volumes expected to grow at mid-single-digit rates, with assets under management following similar trends.
Customer margin targeted to remain around 270 basis points in 2025 and 2026.
NII expected to continue growing quarter-on-quarter, with some pressure on asset yields moderating in 2026.
Fee growth guidance raised to double-digit for the year, with cost growth to remain mid-single digit.
Continued focus on high-value customers, digital transformation, and geographical diversification expected to support further profitable growth.
Detail NII trend and deposit cost impact
Explain the 9.4% rise in operating expenses
Quantify EBA stress test capital impact
What NII drivers for 2026 growth?
Digital accounts: future cross-sell impact?
Mortgage market: strategy for new clients?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Bankinter earnings date
Q4 202522 Jan, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Bankinter S.A. is a Spanish banking institution providing retail, corporate, private banking, and insurance services. The bank offers deposits, loans, investment products, and digital banking solutions to customers in Spain and Portugal. It is headquartered in Madrid, Spain, and its shares are listed on the BME.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage