{"id":15364,"date":"2026-01-22T12:58:57","date_gmt":"2026-01-22T12:58:57","guid":{"rendered":"https:\/\/infundpros.com\/?p=15364"},"modified":"2026-01-22T12:58:58","modified_gmt":"2026-01-22T12:58:58","slug":"bankinter-s-a-bkniy-q4-2025-earnings-call-transcript","status":"publish","type":"post","link":"https:\/\/infundpros.com\/?p=15364","title":{"rendered":"Bankinter, S.A. (BKNIY) Q4 2025 Earnings Call Transcript"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<header class=\"flex flex-col items-start justify-between\"><\/header>\n<div class=\"relative mb-18 flex-col\" data-test-id=\"author-brief\">\n<div class=\"flex items-start justify-between\">\n<div class=\"relative z-0 mr-18 flex grow\">\n<div class=\"flex shrink-0 items-center justify-center relative size-36 rounded-full\" data-test-id=\"user-pic-wrapper\"><\/div>\n<\/div>\n<p><button data-state-text=\"Following\" aria-label=\"Follow SA Transcripts\" class=\"ihjjQ py-8 px-18 ml-auto print:hidden relative inline-flex cursor-pointer select-none items-center whitespace-nowrap break-words transition-colors hover:no-underline motion-reduce:transition-none border-black bg-black text-white hover:bg-black-70 disabled:border-transparent disabled:bg-black-20 dark:border-black-10 dark:bg-black-10 dark:text-black dark:hover:border-black-30 dark:hover:bg-black-30 dark:disabled:bg-black-30 w-auto min-h-36 justify-center border px-16 py-1 text-medium-b rounded-8\" data-test-id=\"follow-button\" type=\"button\"><span class=\"\"><span aria-hidden=\"true\" class=\"wMAFB relative flex justify-center\" data-state-placeholder=\"Following\"><span class=\"absolute\">Follow<\/span><\/span><\/span><\/button><\/div>\n<\/div>\n<div class=\"mb-12\">\n<div aria-label=\"Audio player\" class=\"relative mb-8 mr-8\"><button id=\"sa-audio-player-play-button\" class=\"inline-flex items-center font-bold md:hidden relative inline-flex cursor-pointer select-none items-center whitespace-nowrap break-words transition-colors hover:no-underline motion-reduce:transition-none border-black bg-black text-white hover:bg-black-70 disabled:border-transparent disabled:bg-black-20 dark:border-black-10 dark:bg-black-10 dark:text-black dark:hover:border-black-30 dark:hover:bg-black-30 dark:disabled:bg-black-30 min-h-36 justify-center border text-medium-b rounded-8 size-36 p-6\" data-test-id=\"play-button\" type=\"button\"><span class=\"relative flex shrink-0 items-center justify-center [&amp;&gt;svg]:max-h-full [&amp;&gt;svg]:shrink-0 [&amp;&gt;svg]:grow [&amp;&gt;svg]:fill-current size-24 m-0\"><span class=\"flex size-16 text-current\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 16 16\" class=\"flex shrink-0 fill-current\" data-test-id=\"play-button-play-svg\"><default:path fill=\"currentColor\" d=\"M0 16V0l16 8z\"><\/default:path><\/default:svg><\/span><\/span><span class=\"sr-only\"><span class=\"font-bold b4Wu7\">Play Earnings Call<\/span><\/span><\/button><button id=\"sa-audio-player-play-button\" class=\"items-center font-bold hidden md:inline-flex relative inline-flex cursor-pointer select-none items-center whitespace-nowrap break-words transition-colors hover:no-underline motion-reduce:transition-none border-black bg-black text-white hover:bg-black-70 disabled:border-transparent disabled:bg-black-20 dark:border-black-10 dark:bg-black-10 dark:text-black dark:hover:border-black-30 dark:hover:bg-black-30 dark:disabled:bg-black-30 w-auto min-h-36 justify-center border px-16 py-1 text-medium-b rounded-8\" data-test-id=\"play-button\" type=\"button\"><span class=\"relative flex shrink-0 items-center justify-center [&amp;&gt;svg]:max-h-full [&amp;&gt;svg]:shrink-0 [&amp;&gt;svg]:grow [&amp;&gt;svg]:fill-current mr-8 size-24\"><span class=\"flex size-16 text-current\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 16 16\" class=\"flex shrink-0 fill-current\" data-test-id=\"play-button-play-svg\"><default:path fill=\"currentColor\" d=\"M0 16V0l16 8z\"><\/default:path><\/default:svg><\/span><\/span><span class=\"\"><span class=\"font-bold b4Wu7\">Play Earnings Call<\/span><\/span><\/button><\/div>\n<\/div>\n<div class=\"paywall-full-content R6FbO mb-32 flex sa-text-content sa-media-content sa-table-content sa-content-helpers print:block\">\n<div class=\"w-0 grow print:w-auto\">\n<div>\n<div class=\"T2G6W\" data-test-id=\"content-container\">\n<div class=\"transcript-headline\">\n<p data-eci=\"true\">Bankinter, S.A. (<span class=\"ticker-hover-wrapper\">BKNIY<\/span>) Q4 2025 Earnings Call January 22, 2026 3:00 AM EST<\/p>\n<\/div>\n<div class=\"transcript-company-participants\">\n<p class=\"transcript-company-participants-title\"><strong>Company Participants<\/strong><\/p>\n<p><span>Laurie Shepard Goodroe<\/span><br \/><span>Gloria Portero &#8211; CEO &amp; Director<\/span><br \/><span>Jacobo D\u00edaz &#8211; Chief Financial Officer<\/span><\/p>\n<\/p><\/div>\n<div class=\"transcript-other-participants\">\n<p class=\"transcript-other-participants-title\"><strong>Conference Call Participants<\/strong><\/p>\n<p><span>Maksym Mishyn &#8211; JB Capital Markets, Sociedad de Valores, S.A., Research Division<\/span><br \/><span>Francisco Riquel Correa &#8211; Alantra Partners, S.A.<\/span><br \/><span>Marta S\u00e1nchez Romero &#8211; JPMorgan Chase &amp; Co, Research Division<\/span><br \/><span>Ignacio Ulargui &#8211; BNP Paribas, Research Division<\/span><br \/><span>Pablo de la Torre Cuevas &#8211; RBC Capital Markets, Research Division<\/span><br \/><span>Borja Ramirez Segura &#8211; Citigroup Inc., Research Division<\/span><br \/><span>Carlos Peixoto &#8211; Banco BPI, S.A., Research Division<\/span><br \/><span>Ignacio Cerezo Olmos &#8211; UBS Investment Bank, Research Division<\/span><br \/><span>Sofie Caroline Peterzens &#8211; Goldman Sachs Group, Inc., Research Division<\/span><br \/><span>Britta Schmidt &#8211; Bernstein Autonomous LLP<\/span><\/p>\n<\/p><\/div>\n<div class=\"transcript-presentation\">\n<p class=\"transcript-presentation-title\"><strong>Presentation<\/strong><\/p>\n<div class=\"transcript-presentation-section\" seq=\"0\">\n<p class=\"transcript-presentation-section-title\"><span><strong>Laurie Shepard Goodroe<\/strong><\/span><\/p>\n<p>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. <\/p>\n<p>Gloria, over to you, please.<\/p>\n<\/p><\/div>\n<div class=\"transcript-presentation-section\" seq=\"1\">\n<p class=\"transcript-presentation-section-title\"><span><strong>Gloria Portero<\/strong><\/span><br \/><span><i>CEO &amp; Director<\/i><\/span><\/p>\n<p>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&#8217;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.<\/p>\n<p>2025 was the year of Donald Trump&#8217;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<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<aside><\/aside>\n<\/div>\n<\/div>\n<\/div>\n<footer class=\"border-t border-share-separator-thin py-18 sm:py-24 print:hidden paywall-full-content\" data-test-id=\"post-footer\"><\/footer>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/seekingalpha.com\/article\/4861807-bankinter-s-a-bkniy-q4-2025-earnings-call-transcript?source=feed_all_articles\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Follow Play Earnings CallPlay Earnings Call Bankinter, S.A. (BKNIY) Q4 2025 Earnings Call January 22, 2026 3:00 AM EST Company Participants Laurie&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1778,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":{"0":"post-15364","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bankinter, S.A. (BKNIY) Q4 2025 Earnings Call Transcript | inFundPros<\/title>\n<meta name=\"description\" content=\"FollowPlay Earnings CallPlay Earnings Call Bankinter, S.A. 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