CORPORATE PRESENTATION
2021
About Bankinter. Contents:
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About Bankinter Key Figures Business Contents
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About Bankinter Key Figures Business IBEX member since 1972 with stable shareholder structure, long-term approach and continuous dividends
+55 years of experience in the Spanish financial industry.
Income diversification by geography, business lines and customer segments
Rigorous risk management policy. Ver video
Specialize in innovative financial products and services, including multichannel distribution.
The captabilities and talents of our professionals serving our customers.
| ABOUT BANKINTER A history of success, growth and value creation through diferentiation, betting on innovation and technology.
2009 2010
Acquires 100% Best Bank in of Línea Spain, Directa according to The Banker.
1965 1972 1987 1992 2015 We are now in One step A bank for all, Bankinter Floated on the We innovate, ahead, we Portugal after the first to bet acquiring the borns as an Madrid Stock we launched created industrial Market. the "Special on financial commercial Telephone accessibility. network of bank. Deposit". banking. Barclays.
1993 2004 2017 2019 Fundación Bankinter buys 1st to launch Innovación Popcoin, first Evo Bank and investment Bankinter, one of bank in Avantcard, its fund the best launching a Irish consumer technology think- roboadvisor. subsidiary. tanks in the world.
1996 2021 First bank on the A rigorous risk Línea Directa Internet, after Pioneers in quotes on the Proud to be school with a the success of using the bank stock market: a your bank. successful electronic in the mobile. new path begins. track record. banking. With specialized companies that add value to help generate profit.
| ABOUT BANKINTER Beyond our borders. We are in Portugal, Luxembourg and Ireland. A solid company.
Bankinter's Q1 net profit Bankinter earns €317 million in 2020, with strong rises 14% year-on-year. business growth in a year of particular uncertainty.
In spite of a challenging year marked by the impact of the Bankinter Earnings, pandemic, Bankinter Group ended 2020 with results that Revenue Beat in Q1 show growth in all margins and in the main business lines.
At the same time, the bank held on to its leadership position among listed banks in terms of profitability and asset quality, with strengthened capital adequacy that Bankinter earns remains well above the regulatory requirements of the ECB. 148.3 million up to March, and surpasses pre-Covid result
| ABOUT BANKINTER We offer quality solutions.
IBEX 35 bank with the best quality of service
8,3 8,2 8,2 8,0 7,9 7,7 7,8 7,6 7,5 7,3 7,4 7,2 7,3 7,2 7,0 7,0 7,0 6,7 6,3 6,1 6,0 6,0
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 1Q2020
Bankinter Sector
Bankinter Market Average
Source STIGA: study EQUOS, RCB Objective quality analysis in commercial banking networks.
| ABOUT BANKINTER Rigorous with our risks, The rating agencies In short, a very with the lowest recognize the healthy bank. delinquency ratio of soundness of banks listed in Spain. Bankinter’s balance sheet and the quality of its loan portfolio.
Ratings Agency Long Term
DBRS A (low)
Moodys Baa1
Standard & Poor’s BBB+
| ABOUT BANKINTER A bank with values
| ABOUT BANKINTER Agility
24 hour customer service from any location
| ABOUT BANKINTER Enthusiasm 6.100 employees committed.
51% 11% 4% Mujeres 43 92% 51% Internal0 External years Commitment Women rotation rotation Average age
13 78% years University Average graduates service
| ABOUT BANKINTER Integrity A bank for everyone without barriers
Accesible Website.
Accessible branch offices.
Braille keycard.
Video-calling in sign language.
| ABOUT BANKINTER Choose one of the 5 investment objectives The new Combo Mastercard lets customers and discover the investment proposal that carry two cards in one. Customers can select Finding solutions, best suits. how to manage payments.. anticipating your needsOriginality. Innovation and tecnology at the service of our clients. Broker Touch App, touch ID fingerprint Promote the creation to sustainable wealth identification for mobile banking. through innovation and entrepreneurship.
Transfer to ATM. Arrange cash without the Bankinter launches WhatsApp communication need for a card. Take out free money at for individual corporate customers. 14,000 ATMs. | ABOUT BANKINTER The 1st spanish bank to be 100% digital.
| ABOUT BANKINTER Contents
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About Bankinter Key Figures Business The most profitable spanish bank
2020 2020 2020 Net Income Profit Before ROE 317,1 Tax 1Q2021 € million 1Q2021 7,0% 410 1Q2021 500,3 € million 203 10,8% excluding extraordinary macro € million excluding extraordinary macro provisions impact 148,5 € million provisions impact 11,3% € million +14% vs 1Q2020
Net Interest Income (€ million) Total income (€ million)
| KEY FIGURES Financial highlights.
2020 € millons 1Q2021 Contribution to total income by business 96,252 Total Assets 100,822
64,384 Customer loans 64,642 1% 65,010 Retail deposits 65,943 3% 9% Off-balance-sheet managed 28% Solid balance 31,317 31,230 6% funds sheet, quality of Ratios (%) 8% assets, solvency 2.37% Non-performing loans 2.37% and above- 13% 60.5% NPL coverage 61.9% average returns Cost to income ratio on 32% 48.5% 43.4% banking activitiy
7.03% ROE 11.27% Corporate Banking Retail Banking 12.29% CET1 Fully Loaded 12.28% Consumer Finance Bankinter Portugal 96.9% Loan to deposit ratio 95.7% Investment Banking No client related EVO Avant Money
| KEY FIGURES Contents:
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About Bankinter Key Figures Business 2 Main business lines:
Enterprise Banking Retail Banking
| BUSINESS Enterprise Banking, we encourage economic growth & the creation of employment Drivers:
+11% Investment Banking Vs. 2019 Sector +8,1%
International Credit investment companies (€bn)) Banking 28,4 28 25,0 24 22,9 21,7 19,7 18,6 16,9 17,7 15,3
Transactional Business
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 1Q2021
| BUSINESS Retail Banking, scores significant growth levels Salary Account
Balances
Private Banking +6% VS. 2019
in billion of euros Assets under management in billion of euros
Mortgages Personal New production Banking +9% VS. 2019
in billion of euros Assets under management in billion of euros
Sobre Bankinter | SOBRE BANKINTER Decididamente personal Capacidad y talento| NEGOCIO María Dolores Dancausa Awards & Bankinter CEO Forbes Best CEO in Spain Recognitions. #7 Merco Most reputable executives #8
Top Employer Family-Responsible Most attractive Actualidad Económica Best Anual Company companies to work General Meeting for in Spain One of the best companies for work One of the best companies to work for. #24 #26
Global Go-To Think Tank Most responsable Most reputable One of the Best Advertising Index companies in Spain companies in Spain most valuable campaign Future Trends Forum, brands in Spain best think tank in Spain and the 31th in BrandZ #30 the world dedicated #27 Interbrand #23 to science and #36 Technology
ASSET Award for the best financing project to enterprises.
| ABOUT BANKINTER Proud to be your bank
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