Bankinter delivered a record €1.09 billion net profit for 2025, a 14.4% increase. This marks the Spanish lender's first time exceeding the €1 billion threshold in its 60-year history. The result was driven by a 10.9% rise in net fee income, which more than compensated for a 1.8% dip in net interest income caused by falling rates.

The bank's strategy to diversify revenue is evident in its performance. Off-balance-sheet managed funds surged 18.8% to €68.5 billion, while customer funds under management grew 11.3% to €156.6 billion. Pre-tax profit reached €1.54 billion, and gross operating income surpassed €3 billion for the first time, hitting €3.05 billion.

Geographically, Spain remained the core profit driver, contributing €1.283 billion. Ireland, however, showed the fastest growth, with loans and receivables jumping 23%. The bank's cost-to-income ratio improved slightly to 36.1%, while its CET1 capital ratio stood at a robust 12.72%, well above regulatory minimums.