Overview

• Bankinter's Q1 2025 net profit rose to €270 million, a 34.5% year-on-year increase, with pre-tax profit up 15.8% to €378.4 million.
• The bank excluded the €95 million special banking tax from its Q1 2025 accounts, enhancing comparability with prior periods.
• Gross margin grew 11.1% to €731.7 million, driven by strong performance in Spain (+12%), Portugal (+7%), and Ireland (+9%).
• Bankinter maintained a CET1 capital ratio of 12.35%, well above the 7.94% ECB minimum, reflecting robust financial stability.
• Operational efficiency and asset quality remained sector-leading, with a 36.76% cost-to-income ratio and a 2.16% non-performing loan ratio.