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Letzter Earnings Call

Geschäftsperiode
Q2 2026
Datum des Calls
23. Jul 2026
KI-Zusammenfassung
Q2 2026

Profit: Bankinter said first-half net profit reached EUR 605 million, with quarterly net profit at EUR 315 million, as growth, fees and controlled costs all supported the result.

Outlook: Management raised full-year fee growth guidance to low-double-digit from high-single-digit and said it still expects return on tangible equity above 20%.

Balance sheet: The bank said loan growth remains on track for mid-single digits, while it wants to keep the loan-to-deposit ratio around current levels rather than force deposit growth to match lending exactly.

Strategy: Bankinter reiterated that its Netherlands move through Tulp is a gradual, low-capital entry into mortgages first, not a broader strategic shift.

Quality: Asset quality stayed strong, with the bank saying there were no signs of deterioration and that cost of risk should remain around current levels.

Wichtige Finanzkennzahlen
Net profit
EUR 315 million
Net profit
EUR 605 million
Net interest income
EUR 589 million
Fee income
EUR 237 million
Cost-to-income ratio
34.3%
NPL ratio
below 2%
Coverage ratio
69%
CET1 ratio
12.9%
ROTE
above 20%
EPS growth
11%
Shareholder value generation
17%
Customer volumes
EUR 18 billion
Customer margin
2.71%
Cost of risk
33 basis points
Other provisions
8 basis points
Alternative investment platform
32 vehicles
Alternative investment platform investors
more than 20,000 investors
Alternative investment platform committed capital
EUR 5.9 billion
Mortgage back book
EUR 39 billion
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