Results

Presentation

FY2016

26 January 2017

Bankinter presents its financial statements in accordance with the regulatory framework applicated to the Group, which is that established in the Code of Commerce and other company law and in the International Financial Reporting Standards adopted by the European Union, and taking in consideration Circular 4/2004 of the Banco de España.

Bankinter cautions that this presentation contains forward looking statements. Such forward looking statements are found in various places throughout this document and include, without limitation, statements concerning our future business development and economic performance. While these forward looking statements represent our judgment and future expectations regarding the development of our business, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from our expectations. These factors include, but are not limited to (1) general market , macro-economic, governmental and new regulations, (2) variation in local and international securities markets, currency exchange rates and interest rates as well as change to market and operational risk, (3) competitive pressures, (4) technological developments, (5) changes in the financial position or credit worthiness of our customers, obligors and other counterparties.

Summary FY2016

Key financial indicators

2016

2015

Dif. / Var.

Net Income

€490,1M

€375,9M

30,4%

Gross Op. Margin

€1.717,4M

€1.568,8M

9,5%

Cost to income

(banking activity)

45,1%

43,7%

1,5 pp

NPL ratio

4,01%

4,13%

-11pbs

Cost of risk

€227,8M

€262,2M

-13,1%

ROE adjusted

10,9%

10,9%

-

CET1 FL

11,2%

11,6%

-40 pbs

Loan to Deposits

110,6%

119,8%

-9,2 pp

Record level of recurrent results

Annual Net Income (€ millions)

490,1**

361,9*

252,3254,4

250,7

150,7

181,2

124,7

189,9

275,9

375,9

426,5

+36% CAGR

on recurrent net income '12 to '16

2007 2008 2009 2010 2011 2012 2013 2014 2015 2016

* Includes sale of 50% BK Vida

** Includes Portugal badwill

Bankinter SA published this content on 26 January 2017 and is solely responsible for the information contained herein.
Distributed by Public, unedited and unaltered, on 26 January 2017 08:50:06 UTC.

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