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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 reached €812 million, up 11% year-over-year, driven by strong commercial activity, sustainable growth, and diversified expansion 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.
Digital strategy accelerated client acquisition, with 50% of new customers onboarded through digital channels and significant growth in digital account deposits.
Maintained strong asset quality and efficiency, with a cost-to-income ratio of 36% and NPL ratio at 2.05%.
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, but fee income rose 10.6% to €577 million, offsetting the decline.
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%.
CET1 ratio at 12.9%, leverage ratio 5.2%, and total capital ratio 17.8% as of September 2025.
ROTE at 19.4% (LTM), ROE at 18.2%, and cost-to-income ratio at 36%.
Outlook and guidance
Loan and deposit volumes expected to continue mid-single digit growth, with assets under management following strong recent trends.
Customer margin targeted to remain around 2.7% in 2025 and 2026, supporting robust profitability.
NII expected to grow quarter-on-quarter in Q4, with a slight slippage in flat NII guidance for 2025 to be compensated by stronger fee growth.
Fee growth target raised to double digits; cost growth to remain mid-single digit for 2025.
Continued focus on organic growth, digital innovation, and operational scalability.
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?
NII growth and margin sustainability in 2026?
Capital deployment strategy given excess levels?
Loan growth strategy amid market competition?
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Q4 202522 Jan, 2026
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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.
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