Bankinter, S.A. (BKIMF) Q3 2025 Earnings Call

Investor webinar replay

Watch the replay and follow the connected company analysis, news, and investor updates for Bankinter Sa.

Watch the replay

Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:03.815 Good morning to all and thank you for joining this earnings call for the third quarter 00:00:03.815 -- 00:00:06.438 of 2025. Financial 00:00:06.438 -- 00:00:10.262 statements were posted with market authorities earlier this morning and all materials 00:00:10.262 -- 00:00:14.926 can be found on our corporate website. Please refer to the disclaimer in this presentation 00:00:14.926 -- 00:00:18.110 and note that this call is being recorded. 00:00:18.110 -- 00:00:23.155 Today we are joined by Chief Executive Officer Gloria Ortiz and 00:00:23.155 -- 00:00:27.520 Chief Financial Officer Jacobo Diaz. 00:00:27.520 -- 00:00:33.254 Thank you, Laurie. Good morning to all and welcome to this third quarter 2025 results 00:00:33.254 -- 00:00:34.858 presentation. 00:00:34.858 -- 00:00:38.226 Since we last met in July, many things have happened. 00:00:38.226 -- 00:00:42.877 The tariff conflict between the European Union and the United States has been resolved. 00:00:42.877 -- 00:00:47.308 The Israel-Gaza conflict seems for now to have reached its end. 00:00:47.308 -- 00:00:52.020 We learned the results of the BBVA-Sabadell takeover bid last Thursday, and interest 00:00:52.020 -- 00:00:57.153 rates have bottomed as the European Central Bank has ended rate cuts with inflation 00:00:57.153 -- 00:01:02.165 aligned with its targets. Additionally, the EVA stress tests were published 00:01:02.165 -- 00:01:07.335 on August 1st, in which Bank Inter is again the listed bank in Spain, as well as in the 00:01:07.335 -- 00:01:12.506 Eurozone, with the lowest capital depletion in the hypothetical case of a very adverse 00:01:12.506 -- 00:01:18.159 economic scenario. We continue to navigate an uncertain and volatile environment, 00:01:18.159 -- 00:01:23.592 and ...