Bankinter, S.A. (BKNIY) Income Statement Analysis

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Complete financial analysis of Bankinter, S.A. (BKNIY) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Bankinter, S.A., a leading company in the Banks – Regional industry within the Financial Services sector.

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Bankinter, S.A. (BKNIY)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.bankinter.com

About Bankinter, S.A.

Bankinter, S.A. provides various banking products and services to individuals and corporate customers, and small- and medium-sized enterprises in Spain. It offers salary, non-salary, professional, basic, currency, pension, business, and current accounts, as well as deposit products; and mortgages and loan products, as well as financing services. The company also provides saving and investment products, including profiled funds, sustainable investment funds, other managers funds, pension funds, and themed funds, as well as funds for beginners; regular investment plans; and advisory, customized investment, wealth management, and alternative investment products and services. In addition, it offers accident, home, life, funeral, health, mortgage payment protection, property, personal, and motor insurance products, as well as business insurance products. Further, the company provides various services, such as estate administration, switch, asset management, accounts management, and transfer services, as well as real estate and brokerage services. The company also offers retail, personal, private, commercial, and corporate banking products, as well as remote banking services. As of December 31, 2021, it operated through a network of 446 branches and 379 agents. The company was formerly known as Banco Intercontinental Español, S.A. and changed its name to Bankinter, S.A. in July 1990. The company was founded in 1965 and is headquartered in Madrid, Spain.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004
Revenue	2.91B	2.23B	2.00B	1.85B	2.17B	2.05B	1.94B	1.76B	1.58B	1.46B	1.36B	1.31B	1.11B	1.11B	1.26B	1.03B	933.45M	813.98M	648.79M	577.71M
Cost of Revenue	-1.66B	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	4.58B	2.23B	2.00B	1.85B	2.17B	2.05B	1.94B	1.76B	1.58B	1.46B	1.36B	1.31B	1.11B	1.11B	1.26B	1.03B	933.45M	813.98M	648.79M	577.71M
Gross Profit Ratio	157.12%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	271.48M	409.18M	302.63M	306.59M	413.37M	403.95M	385.03M	380.66M	305.94M	286.74M	259.93M	256.51M	250.86M	260.58M	253.79M	236.95M	214.04M	174.94M	160.70M	138.93M
Selling & Marketing	40.58M	36.77M	36.48M	44.66M	104.94M	105.06M	93.77M	81.28M	75.58M	68.64M	59.31M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	312.06M	409.18M	302.63M	306.59M	413.37M	403.95M	385.03M	380.66M	305.94M	286.74M	259.93M	256.51M	250.86M	260.58M	253.79M	236.95M	214.04M	174.94M	160.70M	138.93M
Other Expenses	2.60B	-697.81M	-642.36M	-588.69M	-524.14M	-1.13B	-1.08B	-986.18M	-830.08M	0.00	0.00	0.00	-46.44M	-23.93M	-16.82M	0.00	-25.18M	7.58M	-24.65M	-19.90M
Operating Expenses	2.91B	1.21B	1.08B	1.10B	1.32B	1.26B	1.09B	1.01B	866.83M	826.49M	740.47M	742.72M	698.42M	675.89M	694.21M	548.00M	510.07M	419.79M	358.49M	332.08M
Cost & Expenses	2.91B	1.21B	1.08B	1.10B	1.32B	1.26B	1.09B	1.01B	866.83M	826.49M	740.47M	742.72M	698.42M	675.89M	694.21M	548.00M	510.07M	419.79M	358.49M	332.08M
Interest Income	3.68B	1.77B	1.45B	1.39B	1.39B	1.32B	1.29B	1.27B	1.28B	1.40B	1.48B	1.71B	1.64B	1.20B	1.67B	2.60B	2.17B	1.47B	1.08B	844.18M
Interest Expense	1.46B	230.88M	171.07M	138.75M	200.95M	226.17M	226.81M	292.44M	414.31M	648.96M	840.33M	1.05B	1.09B	652.63M	879.90M	1.92B	1.58B	998.59M	655.66M	466.00M
Depreciation & Amortization	82.07M	80.09M	77.79M	75.58M	61.68M	61.79M	60.95M	58.89M	61.65M	63.77M	63.09M	65.87M	64.10M	62.18M	531.39M	32.94M	24.98M	24.15M	21.03M	0.00
EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	260.78M
EBITDA Ratio	0.00%	38.77%	77.42%	24.33%	37.94%	38.20%	38.04%	41.87%	36.73%	31.28%	26.56%	16.85%	27.53%	24.05%	69.47%	35.81%	54.58%	41.83%	44.16%	45.14%
Operating Income	1.39B	785.04M	1.47B	373.54M	741.41M	721.09M	677.12M	676.71M	520.33M	392.84M	297.57M	154.18M	240.15M	205.21M	345.94M	336.97M	484.46M	316.34M	265.45M	260.78M
Operating Income Ratio	47.85%	35.18%	73.54%	20.23%	34.21%	35.19%	34.89%	38.52%	32.84%	26.92%	21.91%	11.81%	21.73%	18.46%	27.39%	32.62%	51.90%	38.86%	40.91%	45.14%
Total Other Income/Expenses	-165.34M	-160.05M	-935.68M	-78.85M	-19.65M	-79.47M	-86.44M	69.07M	-63.81M	-168.00K	-61.71M	0.00	240.15M	205.21M	345.94M	336.97M	484.46M	316.34M	265.45M	15.15M
Income Before Tax	1.23B	785.04M	536.71M	230.54M	741.41M	721.09M	677.12M	676.71M	520.33M	392.84M	297.57M	154.18M	240.15M	205.21M	345.94M	336.97M	484.46M	316.34M	265.45M	260.78M
Income Before Tax Ratio	42.17%	35.18%	26.81%	12.49%	34.21%	35.19%	34.89%	38.52%	32.84%	26.92%	21.91%	11.81%	21.73%	18.46%	27.39%	32.62%	51.90%	38.86%	40.91%	45.14%
Income Tax Expense	384.05M	224.84M	139.28M	56.41M	190.74M	194.70M	181.92M	186.60M	144.41M	116.95M	82.14M	29.53M	58.92M	54.48M	91.54M	84.68M	122.60M	107.85M	77.74M	87.40M
Net Income	844.79M	560.20M	1.33B	317.12M	526.52M	501.37M	471.94M	474.56M	375.92M	275.89M	189.90M	124.65M	181.23M	150.73M	254.40M	252.29M	361.86M	208.49M	187.70M	173.38M
Net Income Ratio	28.99%	25.10%	66.58%	17.18%	24.29%	24.47%	24.32%	27.01%	23.73%	18.90%	13.98%	9.55%	16.40%	13.56%	20.15%	24.43%	38.77%	25.61%	28.93%	30.01%
EPS	0.91	0.62	1.49	0.35	0.61	0.56	0.55	0.55	0.42	0.31	0.27	0.24	0.24	0.13	0.23	0.57	0.59	0.34	0.39	0.37
EPS Diluted	0.91	0.61	1.46	0.33	0.60	0.56	0.55	0.55	0.42	0.31	0.27	0.24	0.22	0.13	0.23	0.57	0.57	0.33	0.38	0.37
Weighted Avg Shares Out	898.62M	898.59M	897.72M	898.63M	898.66M	898.63M	898.68M	898.85M	898.87M	897.29M	784.09M	521.18M	741.87M	1.15B	1.09B	620.48M	615.14M	606.11M	477.73M	471.09M
Weighted Avg Shares Out (Dil)	898.62M	898.59M	897.72M	898.63M	898.66M	898.67M	898.87M	898.87M	898.87M	897.29M	793.20M	527.66M	805.46M	1.15B	1.09B	628.42M	631.04M	627.76M	499.40M	471.09M

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