1
1 2 3
Bankinter
Key figures
Business
1 2 3
Bankinter
Key figures
Business
4
A history of success,
growth and development
value through
differentiation.
About us….
1.
50 years of experience in the Spanish industry with an organic and efficient growth.
2.
IBEX 35 member since 1972 with a
market capitalization over €5bn and a stable shareholder
structure, long-term approach and continuous dividends.
3.
Focused on Private
4.
Especialized in innovation
Banking, Enterprises Banking and Insurance activity.
in financial products and services, quality service
and multichannel distribution. 2014 customer satisfaction leader in commercial
branches among national entities.
5.
Conservative and rigorous risk management policy, and excellent quality of our
6.
Income diversification among retail banking, corporate banking and insurance business.
7.
Línea Directa: Spanish leader in home and motor insurance, with more the 2 million of
assets: Non performing Loan ratio of 4,56% compared with the 12% average of the sector as a
whole. The less exposure risk on property developers of the spanish financial system.
customers.
st
to offer
a special remunerated deposit
to offer
investment funds
and
remote banking
to develop
virtual branches
to conduct
an industrial mortgage process
to create
a network of agents
to offer
Internet banking
to work with
mobile banking
to create
video call service
to launch
augmented reality applications
With specialized companies
that add value to help
generate profit.
Divisions,
Channels and Initiatives
Private Banking
Partnet Banking
Corporate Banking
Personal Banking
Agent
Independent
Businesses
Bankinter
Ideas
Independent
Companies
A solvent company:
Sustainable and
Recurrent profit
Best results in 7 years.
Ibex 35 bank with
the best results from
the ECB stress tests
Bankinter passes the most adverse scenario of the bank
stress tests with twice the minimum capital required.
Cautious with our risks,
boasting a
Non-performing loan rate
of 4.56%
The lowest of the spanish
financial system.
Rating agencies recognise
solvency strength and
its ability to generate
recurrent profit.
In short,
a very
healthy bank.
24 hour
customer service from any location .
agility
Multichannel
Banking.
Transactions by channel (%)
Networks
Agreements
Specialized
centers
460
360
75
43
42
406
We offer
quality solutions.
2014
9,00
Leader
8,50
among
national
entities
8,00
7,50
7,00
7,22
7,33
7,32
6,97
6,92
6,78
6,55
6,50
6,77
6,61
6,00
6,29
6,12
6,06
6,01
6,03
2010
2011
2012
2013
5,50
2008
2009
Bankinter
Entidad
Market sectorial
Media
2014
4,227 employees
A young team,
enthusiastic and committed.
18
Innovation and
Technology
at the service of our customers.
Instant
smartwatch
notification
and alert system
Mobile Virtual Card
Broker Touch
Touch ID
fingerprint
identification
into mobile
banking
The first spanish bank
100% digital.
originality
The new way of saving.
A bank for everyone
without barriers
::: Accessible Web
::: Accessible branch offices
::: Card with Braille coordinates
::: Video-call in full sign language
Integrity
Economic,
social &
environmental
efficiency.
Watch
Video
Bankinter Innovation
Foundation
the best science and technology think tank in Spain.
Awarded & recognized.
1 2 3
Bankinter
Key figures
Business
Positive income trend.
Net Income 2014
Profit before tax 2014
275,9
392,8
€ million
+73%
vs 2013
Begins 2015
with a quarterly
net profit of
87.2 million
euros.
€ million
+50%
Vs 2013
Financial highlights.
€ millons
1Q 2015
Total assets
57.144
Credit facilities and loans
44.163
Retail resources excl. repos
Off-balance-sheet managed funds
Ratios (%)
30. 738
19. 387
Nonperfor. loans
4, 56
Recorded allowance/nonperfor. loans
43,5
Cost to income
Number of branches
49,00
360
Number of employees
4,227
LDA employees
1.908
Contribution by business area
19%
17%
25%
39%
The bank with the biggest gain on
the Spanish stock exchange
for the second year running.
Shareholder
Structure
2014
One of the most solvent banks,
extraordinary asset quality.
The lowest rate of
non-performing loans
in the sector.
1 2 3
Bankinter
Key figures
Business
Focused in:
Private Banking
Banking for Enterprises
Insurance
Private Banking
scores significant
growth levels
22.281
293
18mil millones €
1.126
33
We encourage
economic growth
& creating
employment
34
Insurance:
a solvent &
profitable business
Profit before tax* (€million)
94,4
107,2
133,9
121,5 128,5
Home
+19%
2,2 MM
Policies
+6%
2010
2011
2012
2013
2014
Auto
+3%