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Bankinter BKT.MC · EUR

Financials · Banks · BME · 🇪🇸 Spain

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14.78

+2.57%

Close of 9 Nov 2026, in EUR

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About Bankinter

Its shares trade on BME under the ticker BKT.MC. It has been listed since 14 December 1989. In the fiscal year to 31 December 2025, it reported revenue before interest expense of €4.71bn and net income of €1.09bn. At that date it held total assets of €131.02bn and shareholders' equity of €6.41bn.

Bankinter SA engages in the provision of banking and financial services. The company is headquartered in Madrid, Madrid. The Bank's activities are divided into four business segments: Commercial banking, which offers current accounts, fixed-term deposits, investment management and advisory, as well as mortgage loans, among others, to individual customers; Corporate banking, which provides financial services to small and medium-sized companies, corporations and government bodies; Consumer finance, which focuses on personal loans and credit card services through Bankinter Consumer Finance EFC, and Other, which includes online savings accounts, among others. The firm operates through numerous subsidiaries, such as Bankinter Gestion de Activos SGIIC, Hispamarket SA, Bankinter Capital Riesgo SGECR SA and Bankinter Sociedad de Financiacion SAU.

Figures and description from our data supplier, not checked against the company's own report.

Company facts

Sector
Financials
Industry
Banks
Listed since
14 Dec 1989
Employees
8,668

Leadership

Pay as last reported

  • Ms. Maria Dolores Dancausa TrevinoNon-Executive Chairwoman of the Board, Other External Director, since 2010€5.1m
  • Ms. Gloria Ortiz PorteroChief Executive Officer, Executive Director, since 2008€962,000
  • Mr. Alfonso Botin-Sanz De Sautuola Y NavedaExecutive Vice Chairman of the Board, since 1997€2.1m
  • Mr. Jacobo Diaz GarciaChief Financial Officer, Head - Digital Banking, since 2024
  • Ms. Lucia Calvo VergezHead - Corporate Control and Compliance, Non-Member Deputy Secretary of the Board
  • Mr. Julio Gabriel Zapatero GaviriaChief Risk Officer
  • Mr. Jaime Inigo Guerra AzconaHead - Investment Banking
  • Mr. Ignacio Lozano EgeaHead - Commercial Retail Banking
  • Mr. Francisco Martinez GarciaHead - Internal Audit, since 2018
  • Mr. Fernando Moreno MarcosHead - Large Corporate Banking, since 2024
  • Mr. Alberto Jorge Reis De Oliveira RamosCountry Manager, Portugal
  • Mr. Alfonso Saez Alonso MunumerHead - Consumer Affairs and Ireland

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
86
Environment
99
Social
99
Governance
60
Direct emissions (scope 1)
1,232.1 t
Energy emissions (scope 2)
3,093.1 t
Value chain emissions (scope 3)
5,133,066.2 t
Women in the workforce
50.00751%
Carbon reduction policy
Yes
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Strong Financial Performance: Bankinter SA has consistently shown strong financial results, with steady revenue growth and healthy profit margins.
  • Diversified Business Portfolio: The company offers a wide range of financial products and services, including banking, insurance, asset management, and investment banking.
  • Technological Advancements: Bankinter SA has embraced digital transformation and invested in advanced technology platforms, enabling efficient operations and providing enhanced customer experiences.

Weaknesses

  • Limited Geographic Presence: Although Bankinter SA has a strong presence in Spain, its operations are limited to a single market, which exposes it to potential risks associated with regional economic downturns.
  • Reliance on Wholesale Funding: The company heavily relies on wholesale funding for its operations, which may create vulnerability to changes in market conditions and liquidity risks.
  • Regulatory and Compliance Challenges: As a financial institution, Bankinter SA faces regulatory and compliance burdens that require continuous monitoring and adherence to ensure operations remain within legal requirements.

Opportunities

  • Expansion into New Markets: Bankinter SA has the potential to expand its operations beyond Spain into new international markets, which would diversify its revenue streams and reduce dependence on a single market.
  • Growing Demand for Online Banking: The increasing trend of digital banking presents an opportunity for Bankinter SA to further develop its online banking platforms and attract tech-savvy customers.
  • Acquisition and Partnerships: Strategic acquisitions or partnerships with fintech companies could help Bankinter SA leverage innovative technologies, enhance product offerings, and improve market competitiveness.

Threats

  • Intense Market Competition: Bankinter SA operates in a highly competitive financial industry, where rival banks and fintech startups constantly strive to gain market share and offer innovative products.
  • Economic Volatility: Fluctuations in the global and regional economy can impact the performance of Bankinter SA, leading to decreased demand for financial services, increased credit risks, and potential defaults.
  • Disruptive Technologies: The emergence of new technologies such as blockchain and artificial intelligence could disrupt traditional banking models, and Bankinter SA must adapt to these changes to stay relevant.

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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