)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
Bankinter
Bankinter (BKT) investor relations material
Bankinter Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved record net profit of €1,090 million in 2025, up 14.4% year-over-year, surpassing €1 billion for the first time, driven by diversified growth, strong asset quality, and higher value-added products.
Customer volumes grew 9% to €241 billion, with lending up 5%, customer funds up 6%, and AUMs up 19% compared to 2024.
Maintained excellence in digital transformation, AI initiatives, and disciplined margin management, with digital client acquisition and account growth accelerating.
Integration of EVO Banco and Avant Money (now Bankinter Ireland) completed, supporting future growth.
Total assets reached €131 billion, up 7.4% from 2024.
Financial highlights
Net interest income declined 1.8% year-over-year to €2,237 million, while net fees and commissions rose 10.9% to €795 million.
Gross operating income grew 5% to €3,047 million, exceeding €3 billion for the first time; pre-provision profit up 5.4% to €1,947 million.
Cost of risk improved to 0.33%, with loan loss provisions below 2023 levels and NPL ratio at 1.94% with a coverage ratio of 68%.
CET1 capital ratio at 12.72%, well above regulatory requirements; total capital ratio at 17.3%, MREL at 25.7%.
Cost-to-income (efficiency) ratio improved to 36.1%, with ROTE at 20% and ROE at 18.9%.
Outlook and guidance
Entering 2026 with the goal of achieving new records in volumes, income, profitability, and efficiency, targeting customer margin recovery to 270 bps and cost-to-income below 35%.
Fee income expected to grow at high single digits, with ROTE to remain above 20% and stable or improving cost of risk.
Continued investment in AI and digitalization to drive efficiency and customer experience.
What drives future fee income growth
Ireland growth strategy beyond mortgages
Quantify 'IA First' program's efficiency gains
Spanish mortgage market strategy
AI's impact on productivity and efficiency
Digital account strategy and margin outlook
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Bankinter earnings date
Q1 202623 Apr, 2026
Bankinter
Next Bankinter earnings date
Q1 202623 Apr, 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