Below are the financial statements of Bankinter, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in millions of EUR | 2024 | 2023 |
|---|---|---|
| Interest income | 4,399.79a | 3,677.73a |
| Financial assets at fair value through other comprehensive income | 13.92a | 15.05a |
| Financial assets at amortised cost | 3,849.8a | 3,151.07a |
| Other interest income | 536.07a | 511.61a |
| Interest expenses | -2,121.38a | -1,464.23a |
| Expenses on share capital repayable on demand | 0a | 0a |
| Net interest margin | 2,278.41a | 2,213.5a |
| Dividend income | 15.1a | 15.26a |
| Results of entities valued by the equity method | 34.86a | 31.58a |
| Income from fees | 917.33a | 817.06a |
| Expenses from fees | -200.27a | -192.77a |
| Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net | 20.45a | 19.92a |
| Financial assets at amortised cost | 24.07a | 29.24a |
| Remaining financial assets and liabilities | -3.62a | -9.32a |
| Gains or losses on financial assets and liabilities held for trading, net | -48.13a | 73.18a |
| Reclassification of financial assets out of fair value through other comprehensive income | 0a | 0a |
| Reclassification of financial assets from amortized cost | 0a | 0a |
| Other gains or losses | -48.13a | 73.18a |
| Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss, net | 5.57a | 5.47a |
| Other gains or losses | 5.57a | 5.47a |
| Gains or losses on financial assets and liabilities designated at fair value through profit or loss, net | 0a | 0a |
| Gains or losses resulting from hedge accounting, net | -0.9a | 1.81a |
| Exchange differences [gain or loss], net | 61.71a | -64.83a |
| Other operating income | 32.83a | 34.9a |
| Other operating expenses | -215.49a | -294.53a |
| Of which: compulsory transfers to welfare funds (only savings banks and credit cooperatives) | 0a | 0a |
| Income from assets under insurance and reinsurance contracts | 0a | 0a |
| Expenses from liabilities under insurance and reinsurance contracts | 0a | 0a |
| Gross operating income | 2,901.48a | 2,660.54a |
| Administration expenses | -966.27a | -911.31a |
| Personnel expenses | -594.81a | -557.92a |
| Other administrative expenses | -371.46a | -353.39a |
| Repayment | -87.45a | -82.07a |
| Provisions or reversal of provisions | -88.11a | -79.68a |
| Impairment or reversal of impairment and gains or losses on modifications of cash flows of financial assets not measured at fair value through profit or loss or modification gains or losses, net | -359.12a | -338.17a |
| Financial assets at fair value through other comprehensive income | 0.28a | -9.78a |
| Financial assets at amortised cost | -359.4a | -328.39a |
| Impairment or reversal of impairment of investments in joint ventures or associates | 0a | 0a |
| Impairment or reversal of impairment of non-financial assets | -28.94a | -10.21a |
| Tangible assets | 0.02a | 0a |
| Intangible assets | -28.92a | -10.21a |
| Others | 0a | 0a |
| Gains or losses on derecognition of non-financial assets and investments, net | -2.46a | -3.01a |
| Negative goodwill recognised in profit or loss | 0a | 0a |
| Gains or losses from non-current assets and disposal groups classified as held for sale not eligible as discontinued operations | -9.43a | -7.25a |
| Profit or loss before tax from continuing operations | 1,359.7a | 1,228.84a |
| Tax expense or income related to profit or loss from continuing operations | -406.73a | -384.05a |
| Profit or loss after tax from continuing operations | 952.97a | 844.79a |
| Profit or loss after tax from discontinued operations | 0a | 0a |
| Profit or loss for the period | 952.97a | 844.79a |
| Attributable to minority interests (non-controlling interests) | 0a | 0a |
| Attributable to the owners of the parent | 952.97a | 844.79a |
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