Bankinter S A : Results presentation (1H25 Presentacion Resultados EN)

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[{"type":"text","content":"\n \n Earnings Presentation\n \n \n 1H2025\n \n \n 24th of July 2025\n \n \n \n \n Highlights\n \n \n \n Geographies & Businesses\n \n \n \n Results & Solvency\n \n \n \n Closing Remarks\n \n .1\n \n Highlights\n \n \n Accelerated growth & earnings momentum. Margins hold strong.\n \n \n \n \n Resilience in margins\n \n \n vs 1H24\n \n \n \n Uplift in customer volumes\n \n \n 1H25\n \n \n \n vs 1H24\n \n \n \n +6%\n \n \n \n CUSTOMER LENDING\n \n \n 2,73%\n \n \n CUSTOMER MARGIN\n \n \n +9%\n \n \n 1H25\n Net profit €542M\n ROTE 19,5%\n Last 12 months\n \n \n CUSTOMER VOLUMES1\n RETAIL DEPOSITS\n \n \n +6%\n \n \n \n +6%\n \n \n \n +18%\n \n \n \n AUMs\n \n \n 1,83%\n \n \n NIM\n \n \n Strength in fee & revenue results\n \n \n -5%\n \n \n NII\n \n \n GROSS OPERATING INCOME\n \n \n +11%\n \n \n NET FEES\n \n \n \n \n Best-in-class management ratios\n \n \n 1H25\n \n \n 36%\n \n \n COST-TO-INCOME RATIO\n \n \n 2,14%\n \n \n NPL RATIO\n \n .1\n \n \n +9%\n +€19Bn\n \n \n vs jun-24\n \n Highlights\n \n \n Strong customer volume trends\n \n \n Commercial ambition continues to drive long-term growth\n \n \n \n By category\n \n \n € billion, % variation vs jun-24\n \n \n By geography\n \n \n % customer volumes, % variation vs jun-24\n \n \n By new origination\n \n \n % YTD, % variation vs jun-24\n \n AUMs +18%Retail deposits +6%Customer lending +6%\n 212\n \n \n 221\n \n \n 53\n \n \n 58\n \n \n 62\n \n \n 81\n \n \n 83\n \n \n 86\n \n \n 79\n \n \n 80\n \n \n 83\n \n \n 231\n \n Spain +8%Portugal +15%Ireland +20%\n 2%\n \n Mortgages +21%Consumer -10%Corp & SME +15%\n 10%\n 88%\n \n \n 27%\n \n \n 59%\n \n \n 14%\n \n \n \n jun-24 dec-24 jun-25\n \n \n 01.\n \n .1\n \n Highlights\n \n \n Earnings inflection point. Net interest income increases 4%.\n \n \n Fees supporting income growth\n \n \n \n Net interest income\n \n \n € million\n \n \n Core revenues\n \n \n € million\n \n \n Gross operating income\n \n +6%\n \n € million\n \n -1%\n +2%\n +4%\n 1.160\n \n \n \n 1.101\n \n 380\n \n \n 342\n \n \n 1.502 1.481\n 1.410 1.494\n 550\n \n \n 541\n \n \n 560\n \n \n 4Q24 1Q25 2Q25\n \n \n 1H24 1H25\n \n NII \n \n \n Net Fees\n 1H24 1H25\n \n \n 01.\n \n .1\n \n Highlights\n \n \n Digital transformation driving efficiency:\n \n \n IA and Cloud catalysts for scalability & productivity improvements\n \n \n Productivity ...

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