BANKINTER

BANKINTER, S.A.

CIF A28157360 Spain Financial IBEX35 seen 1376 times Last report December 2020

Employees 4,527 (51.40% women)
Profit 317.1M €
Credit Quality 0.46%
Interest Margin 1,247M €
Earnings per share 0.12 €

Balance

Assets and liabilities

Financial Debts on Assets -74.32%   -3.25%
Net Financial Debt -71,533M €    -3.25%
Working Balance 2.91%    6.72%
Inmovilization 1.77%   -4.81%
Liquidity 103.1%    0.19%

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  • Financial Debts on Assets: Net financial debt on total assets. Indicates how indebted the company is by comparing it with its assets.
  • Net Financial Debt: Financial liabilities minus cash and financial assets. If it is negative it indicates that there is no financial debt, but surplus.
  • Working Balance: The working capital are the current assets minus current liabilities. Dividing the working capital to the assets indicates the health of the company from the point of view of liquidity.
  • Inmovilization: Percentage of fixed assets on total assets.
  • Liquidity: Ability to deal with short-term debts.
Credit Quality

Credit Quality Ratio 0.46%   -1.46%

Doubtful Credits Ratio 2.19%    -5.84%

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  • Credit Quality Ratio: Proportion of provisions in total assets.
  • Doubtful Credits Ratio: Proportion of doubtful credits (in monetary units) with respect to the total credits granted.
  • Doubtful Refinanced Operations Ratio: Proportion of doubtful refinanced operations (in monetary units) with respect to the total of refinanced operations granted.
Leverage

Leverage 5.2%    12.72%

AT1 Ratio 1.03%    75.12%
CET1 Ratio 12.29%    4.53%
TIER1 Ratio 13.32%    7.89%
TIER2 Ratio 1.71%   -1.03%

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  • Leverage: Percentage of assets represented by liabilities with financial institutions (which generate costs)
  • AT1 Ratio: Additional Tier 1 capital. It is also known as convertible contingent bonds (CoCos), that is, the bank pays an interest and if an expected contingency happens it can be converted into shares.
  • CET1 Ratio: Common equity tier 1 capital. It informs us of the financial strength of a bank.
  • TIER1 Ratio: Share capital of a bank with respect to the total of its assets weighted by risk. A high ratio tells us that the bank has a good contingency gap.
  • TIER2 Ratio: This capital takes into account all those elements that absorb losses when the entity is not profitable.
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Income Statement

Result

Result 317.1M €   -9.59%

Profit on Interest Margin 25.43%   -10.45%
Profit on credits 0.43%   -10.93%
Earnings per share 0.12 €   0%
Funds from Operations 241.5M €   -11.45%
Raw Margin 1,709M €   -10.67%
Interest Margin 1,247M €    0.96%
Reinsurance Business 0 €   -100%

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  • Result: Earnings
  • Profit on Interest Margin: Proportion of the interest margin that are net profit.
  • Profit on credits: Proportion of credits that are net profit. It is a way of knowing the efficiency and profitability that is extracted from the credits granted.
  • Earnings per share: Net profit attributed to each of the outstanding shares.
  • Funds from Operations: Funds from operations. It results from adding profit and amortizations.
  • Raw Margin: It is the interest margin subtracted (added) by the expenses and operating income.
  • Interest Margin: It is the balance between the interest paid for deposits and interest charged for credits.
  • Reinsurance Business: It is the balance between income and expenses for the reinsurance business.
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Expenses

Expenses / EBIT 583.6%    59.61%

Staff Costs 44,670M €   -13.66%
Staff Costs (mean) 9.87M €   -12.55%
Administration expenses / Interest Margin 60.41%   -15.05%

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  • Expenses / EBIT: Proportion of the EBIT that will be used in expenses. It should always be below 100%.
  • Staff Costs: Staff expenses.
  • Staff Costs (mean): Staff expenses (Mean).
  • Administration expenses / Interest Margin: Administrative expenses on the interest margin.
Business Quality

Margin of Interest / Assets 1.3%   -2.63%

Doubtful credits / Margin of Interest 129.4%   -5.33%
Doubtful refinanced operations / Margin of Interest 0%   0%
ROA 0.33%   -12.81%
ROE 6.39%   -14.02%

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  • Doubtful credits / Margin of Interest: Proportion of the interest margin represented by doubtful loans.
  • Margin of Interest / Assets: Percentage of the asset that represents the margin of interest. As a large part of the assets are customer deposits, it is a way of calculating the profitability of the banking business.
  • Doubtful refinanced operations / Margin of Interest: Proportion of the interest margin represented by doubtful refinanced operations.
  • ROA: Return on assets. Percentage of assets that represent the benefits.
  • ROE: Return on equity. Percentage of own resources that represent the benefits.
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