Bankinter, S.A. (BKNIY) Q4 2025 Earnings Call January 22, 2026 3:00 AM EST
Company Participants
Laurie Shepard Goodroe
Gloria Portero – CEO & Director
Jacobo Díaz – Chief Financial Officer
Conference Call Participants
Maksym Mishyn – JB Capital Markets, Sociedad de Valores, S.A., Research Division
Francisco Riquel Correa – Alantra Partners, S.A.
Marta Sánchez Romero – JPMorgan Chase & Co, Research Division
Ignacio Ulargui – BNP Paribas, Research Division
Pablo de la Torre Cuevas – RBC Capital Markets, Research Division
Borja Ramirez Segura – Citigroup Inc., Research Division
Carlos Peixoto – Banco BPI, S.A., Research Division
Ignacio Cerezo Olmos – UBS Investment Bank, Research Division
Sofie Caroline Peterzens – Goldman Sachs Group, Inc., Research Division
Britta Schmidt – Bernstein Autonomous LLP
Presentation
Laurie Shepard Goodroe
Good morning, and thank you for joining our 2025 full year earnings call. Financial statements were posted with market authorities early this morning. All materials can also be found on our corporate website. Please refer to disclaimer in the presentation and note that this call is being recorded. And we welcome today our Chief Executive Officer, Gloria Ortiz, and Chief Financial Officer, Jacobo Diaz.
Gloria, over to you, please.
Gloria Portero
CEO & Director
Thank you, Laurie, and thank you all for joining us in this 2025 full year results presentation. Since we are reporting the full year, I believe it’s appropriate to start with a brief overview of the environment in which our business has operated to provide context for the figures that we are about to review.
2025 was the year of Donald Trump’s return to the White House and even that has set the political tempo of the international calendar. Continuing the trend of previous years, the events in 2025 confirmed that the international landscape is moving towards an increasingly turbulent and fragmented scenario. Long-standing conflicts, such as Ukraine, remain unresolved despite failed attempts to reach
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