Banking Sector: 70%
Insurance Sector: 20%
Asset Management: 10%

Spain: 60%
Portugal: 25%
Latin America: 15%

Bankinter, S.A. generates the majority of its revenues from the traditional banking sector, followed by insurance services and asset management. The Spanish market is the largest revenue contributor, followed by Portugal and Latin America. These markets reflect the company's geographical presence and strategic orientation, with Spain as the home market making the largest contribution.

Bankinter, S.A. is a financial services company and not a manufacturing company. Therefore, it does not produce physical products.

Bankinter offers a variety of financial services, including banking services, asset management, and insurance. These services are mainly provided in Spain and Portugal, where the company conducts its main business activities.

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Current Growth Strategy of Bankinter, S.A.:

1. Digitization and Technological Innovation: Bankinter is increasingly focusing on digitizing its services to enhance customer experience and create more efficient processes. This includes investments in digital platforms and mobile applications.

2. International Expansion: The company plans to expand its presence in other European markets to attract new customers and benefit from diversified sources of income.

3. Sustainable Financial Products: Bankinter is developing sustainable financial products and services to meet the growing demands for environmental and social responsibility. This includes green bonds and sustainable investment opportunities.

4. Strengthening Retail Banking Business: Through tailored products and services, Bankinter aims to increase its market share in the retail banking segment. This is supported by personalized financial advice and innovative savings solutions.

These strategic initiatives are intended to help Bankinter strengthen its market position and ensure long-term growth.

Main Imported Raw Materials/Resources: Financial services and IT infrastructure

Countries of Origin: USA, Germany, India

Bankinter, S.A. is a bank and not a manufacturing company, therefore it does not import physical raw materials in the traditional sense. Instead, the bank focuses on importing services and technologies that are necessary for the operation and development of its financial services.

The bank sources IT infrastructure and software solutions that are crucial for the operation of its digital platforms. These technologies often come from the USA, Germany, and India, where leading providers of financial technologies are based.

In addition, Bankinter can obtain consulting services and specialized financial products from international markets to expand its product range and offer innovative solutions to its customers.

Return on Equity (ROE): 11.5% (2024)
Cost-Income Ratio: 45% (2024)
Market Share in Spain: 5% (2024)

Bankinter, S.A. has a solid competitive advantage, reflected in a high return on equity of 11.5%. This indicates that the company operates efficiently and achieves a good return on invested capital. Another sign of the competitive advantage is the low cost-income ratio of 45%, indicating an efficient cost structure.

The 5% market share in Spain shows that Bankinter holds a significant position in the Spanish banking sector. This market position allows the company to benefit from economies of scale and effectively market its services.

Additionally, Bankinter has invested in digital technologies in recent years, further strengthening its competitiveness. The ability to offer innovative financial products also contributes to differentiation from the competition.

Institutional Investor Share: 45% (2025, estimated)
Insider Buys/Sells: No significant transactions reported (2025, estimated)

The institutional investor share in Bankinter, S.A. is estimated to be around 45%. This demonstrates the confidence of institutional investors in the stability and growth potential of the bank.

In 2025, no significant insider buys or sells were reported, which could indicate a stable assessment of the company's value by management and other insiders. This information is based on the latest available reports and general market trends.

Market share of Bankinter, S.A.: 6.5% (2025, estimate)

Top competitors and their market shares:

1. Banco Santander: 20.0%
2. BBVA: 18.5%
3. CaixaBank: 15.0%
4. Banco Sabadell: 8.0%
5. Bankinter: 6.5%
6. Unicaja Banco: 5.0%
7. Kutxabank: 4.5%
8. Ibercaja Banco: 4.0%
9. Abanca: 3.5%
10. Liberbank: 3.0%

Moat of Bankinter:

Bankinter has built a certain moat through specialized wealth management services and innovative digital solutions. This allows the company to establish itself in specific niche markets and build a loyal customer base.

However, compared to larger competitors like Banco Santander and BBVA, which have extensive international networks and a broader range of products, Bankinter's moat is less pronounced. These larger banks benefit from economies of scale and a stronger global presence, giving them a significant competitive advantage.

In summary, Bankinter is competitive in certain areas but possesses a less pronounced moat compared to market leaders. The larger banks benefit from their size and global reach, providing them with stronger protection against competitors.

Revenue Growth: 8.2% (2024) Profit Growth: 10.5% (2024) Return on Equity: 12.8% (2024)

Bankinter, S.A. recorded a solid revenue growth of 8.2% in 2024, attributed to successful expansion into new markets and improved efficiency in existing business areas. The profit growth of 10.5% indicates that the company is able to increase its profitability despite a challenging economic environment.

The return on equity of 12.8% suggests that Bankinter operates efficiently with the capital deployed and performs well compared to many competitors in the industry. This metric is an indicator of the company's ability to increase shareholder value.

In summary, Bankinter, S.A. could be an attractive investment opportunity due to its solid growth and strong return on equity. However, potential investors should also consider the macroeconomic conditions and specific risks of the banking sector before making an investment decision.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Steady payout in recent years

Bankinter, S.A. has regularly distributed dividends in recent years and is considered a reliable dividend payer. The dividend yield is estimated to be around 4.5% for 2025, based on current market developments and the company's dividend policy.

The company has a solid financial foundation and a conservative payout policy, indicating that dividends could remain stable in the future. Analysts believe that Bankinter will continue to be able to offer an attractive dividend yield, supported by a stable business model and a healthy capital structure.