Bankinter Sa · BME:BKT
Bankinter Sa — Investor Presentation (2026)
23 slides from Bankinter Sa's investor presentation, 2026
Slide 1: About Bankinter. Corporate Presentation 1H2026
CORPORATE PRESENTATION About Bankinter. 1H2026
Slide 2: Contents
Contents 1 2 3 About Bankinter Key Figures Business
Slide 3: Contents
Contents 1 2 3 About Bankinter Key Figures Business
Slide 4: IBEX35 member since 1972 with stable shareholder structure, long-term approach and continuous dividends
IBEX35 member since 1972 with stable shareholder structure, long-term approach and continuous dividends Over 60 years of experience in the Spanish financial industry with efficient and organic growth. Income diversification by geography, business lines and customer segments Laptop-shaped image with
Slide 5: A story of success, growth and value creation through differentiation
A story of success, growth and value creation through differentiation, promoting innovation and technology. 1965 2010 2015 2017 Bankinter was We are now in Popcoin, the Best Bank in Portugal after first roboadvisor founded as an Spain, acquiring Barclays launched by a industrial commercial according
Slide 6: Beyond our borders. We are in Portugal, Ireland and Luxembourg.
Beyond our borders. We are in Portugal, Ireland and Luxembourg.
Slide 7: A solid company.
A solid company. Bankinter posts a record Bankinter reports 12% increase in profit to profit of 1,090 million 605 million euros, driven by growth in euros in 2025 (+14.4%), driven by growth in its customer business, greater diversification and business with customers. strong profitability. Bankinter
Slide 8: In short, a very healthy bank.
Rigorous with our risks, The rating agencies In short, a very with one of the lowest recognize the NPL ratios among soundness of healthy bank. Spanish listed banks. Bankinter’s balance sheet and the quality of its loan portfolio. Ratings Agency Long Term DBRS A Moody´s A1* Standard & Poor’s A- * Thi
Slide 9: Service quality, one of the strategic pillars of the business.
Service quality, one of the strategic pillars of the business. Branch Network Service +0.5 market average BANKINTER MARKET AVERAGE 8.3 /10 7.8 /10 Source: STIGA EQUOS RCB Objective quality analysis in commercial banking networks study 1H2026. Evaluates the service provided to potential customers in
Slide 10: A bank with values
A bank with values | ABOUT BANKINTER
Slide 11: Agility
Agility 24-hour customer service from any location | ABOUT BANKINTER
Slide 12: Enthusiasm
Enthusiasm 6,657 committed employees 50% 45 83% Women Years Commitment Average age 12% 7% 15 Internal External Years Average turnover turnover service tenure
Slide 13: Integrity
Integrity One of the most sustainable banks in the world Member of Dow Jones Sustainability Indices | SOBRE BANKINTER
Slide 14: Finding solutions, anticipating your needs.
The first roboadvisor launched by a Spanish Discover the new single-use virtual cards for bank. The best combination of algorithms and online payments. Disposable credit cards Finding solutions, management by a human team with more than ten years of experience in the selection and creation of fund p
Slide 15: Contents
Contents 1 2 3 About Bankinter Key Figures Business
Slide 16: A very profitable bank.
A very profitable bank. 1H2026 1H2026 1H2026 Net profit Profit before tax ROE income 605 2025 853 2025 19.1% 2025 € million € million 1,090 1,535 18.9% 11.7% € million +11.4% € million +4.1% vs1H2025 vs1H2025 +12.9% vs1H2025 +5.5% +14.4% vs 2024 vs 2024 vs 2024 | KEY FIGURES
Slide 17: Financial highlights.
Financial highlights. 1H2026 € Millon 2025 140.9 Total Assets 131.0 87.2 Customer loans 84.1 Solid balance 87.4 Retail deposits 88.1 sheet, asset 74.7 Off-balance-sheet funds 68.5 quality, solvency Ratios (%) and above- 1.9% Non-performing loans 1.9% average returns 69.1% NPL coverage 67.9% 34.3% Co
Slide 18: Contents
Contents 1 2 3 About Bankinter Key Figures Business
Slide 19: 2 Main business lines
2 Main business lines: Corporate & SME Banking Retail Banking | BUSINESS
Slide 20: Corporate & SME Banking, we encourage economic growth & the creation of employment
Corporate & SME Banking, we encourage economic growth & the creation of employment Drivers: +7% Vs. 1H2025 Investment Spain +7% vs. Sector +3.5%* Banking Credit investment in companies (€bn)) 37 39 International 35 31 33 Banking 28 29 24 26 22 23 19 20 17 18 15 Government entities *Source: BdE May 2
Slide 21: Wealth Management & Retail Banking, achieving significant growth levels
Wealth Management & Retail Banking, achieving significant growth levels Salary and digital accounts balances In billion € Mortgage backbook In billion € Sobre Bankinter | SOBRE BANKINTER Capacidad y talento Decididamente personal | BUSINESS
Slide 22: Awards & Recognitions
Awards & One of the Recognitions most valuable FORBES brands in Spain BEST REPUTATION Brand Finance #28 SPAIN 2025 Interbrand #22 BrandZ #22 ACTUALIDAD ECONÓMICA Top Employer Certificado Conciliación, Diversidad y Flexibilidad MEJORES EMPRESAS PARA TRABAJAR 2025 #7 NEWSWEEK MAGAZINE TIME MAGAZINE Mi
Slide 23: Over 60 years of thinking outside the box.
Over 60 years of thinking outside the box. Watch our institutional video