BANKINTERSA financials
BANKINTERSA
Country: ES Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
VWMYAEQSTOPNV0SUGU82 ISIN: ES0113679I37 Financial statements
(EUR, as reported — unscaled; 155 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Gross profit | €2.90B | €2.66B |
| Administrative expenses | €966.3M | €911.3M |
| Employee benefits expense | €594.8M | €557.9M |
| Depreciation & amortisation | €87.5M | €82.1M |
| Profit before tax | €1.36B | €1.23B |
| Income tax expense | €406.7M | €384.1M |
| Profit for the year | €953.0M | €844.8M |
| — attributable to owners | €953.0M | €844.8M |
| — attributable to NCI | €0 | €0 |
| Total comprehensive income | €1.04B | €851.5M |
| Per share | ||
| Basic EPS | €1.06 | €0.94 |
| Diluted EPS | €1.03 | €0.91 |
| Free cash flow / share | €2.04 | €0.69 |
| Cash flow statement | ||
| Net cash from operating activities | €1.94B | €658.4M |
| Net cash from investing activities | -€120.8M | -€44.2M |
| Purchase of PP&E (capex) | €50.8M | €21.7M |
| Purchase of intangibles | €100.3M | €68.7M |
| Net cash from financing activities | -€262.4M | -€105.8M |
| Dividends paid | €462.3M | €405.8M |
| Balance sheet | ||
| Total assets | €121.97B | €113.01B |
| Property, plant & equipment | €442.6M | €424.2M |
| Intangible assets & goodwill | €320.4M | €302.0M |
| Cash & equivalents | €15.42B | €13.86B |
| Total equity | €5.88B | €5.32B |
| Non-controlling interests | €0 | €0 |
| Deferred tax liabilities | €84.2M | €63.3M |
| Derived metrics | ||
| Free cash flow | €1.89B | €636.7M |
| Return on equity | 16.2% | 15.9% |
| Cash conversion ratio | 2.04× | 0.78× |
| Capex coverage | 38.19× | 30.32× |
| Other reported items | ||
| Accumulated Other Comprehensive Income | -€30.7M | -€122.4M |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | €1.13B | -€449.5M |
| Adjustments For Decrease Increase In Other Assets | €13.7M | €163.1M |
| Adjustments For Depreciation and Amortisation Expense | €87.5M | €82.1M |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | €476.1M | -€548.6M |
| Adjustments For Increase Decrease In Other Liabilities | €85.8M | -€207.5M |
| Adjustments For Reconcile Profit Loss | €1.06B | €922.8M |
| Amounts Removed From Equity and Included In Carrying Amount of Nonfinancial Asset Liability Whose Acquisition Or Incurrence Was Hedged Highly Probable Forecast Transaction Before Tax | €0 | €0 |
| Assets Under Insurance Contracts and Reinsurance Contracts Issued | €0 | €0 |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €0 | €0 |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €0 | €51.9M |
| Comprehensive Income Attributable To Noncontrolling Interests | €0 | €0 |
| Comprehensive Income Attributable To Owners of Parent | €1.04B | €851.5M |
| Current Tax Assets Noncurrent | €388.9M | €322.3M |
| Current Tax Liabilities | €453.4M | €399.7M |
| Debt Securities | €8.98B | €8.55B |
| Deferred Tax Assets | €304.9M | €260.8M |
| Deposits From Banks | €13.16B | €10.27B |
| Deposits From Customers | €86.31B | €78.99B |
| Derivative Financial Assets Held For Hedging | €733.2M | €853.3M |
| Derivative Financial Assets Held For Trading | €966.9M | €756.2M |
| Derivative Financial Liabilities Held For Hedging | €513.5M | €611.7M |
| Derivative Financial Liabilities Held For Trading | €1.07B | €836.1M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | €476.5M | — |
| Dividends Recognised As Distributions To Owners of Parent | €462.3M | €405.8M |
| Dividends Recognised As Distributions To Owners Per Share | €0.30 | €0.14 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €0 | €0 |
| Equity and Liabilities | €121.97B | €113.01B |
| Expense Arising From Insurance Contracts | €0 | €0 |
| Fair Value of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income | €205.5M | €161.3M |
| Fee and Commission Expense | €200.3M | €192.8M |
| Fee and Commission Income | €917.3M | €817.1M |
| Financial Assets At Amortised Cost | €99.38B | €90.84B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €918.4M | €1.23B |
| Financial Assets At Fair Value Through Profit Or Loss | €0 | €0 |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €3.37B | €4.51B |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €281.4M | €178.1M |
| Financial Liabilities At Amortised Cost | €110.94B | €102.07B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €3.42B | €3.90B |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €0 | €0 |
| Gain Loss On Hedge Ineffectiveness Recognised In Other Comprehensive Income | €0 | €0 |
| Gain Loss On Hedge Ineffectiveness Recognised In Profit Or Loss | €0 | €0 |
| Gains Losses On Cash Flow Hedges Before Tax | €39.6M | -€24.3M |
| Gains Losses On Exchange Differences On Translation Before Tax | €0 | €0 |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | €61.7M | -€64.8M |
| Gains Losses On Financial Assets At Amortised Cost | €24.1M | €29.2M |
| Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €5.6M | €5.5M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €20.2M | €43.7M |
| Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | -€48.1M | €73.2M |
| Gains Losses On Hedges of Net Investments In Foreign Operations Before Tax | €0 | €0 |
| Impairment Loss On Financial Assets | €359.1M | €338.2M |
| Impairment Loss Recognised In Profit Or Loss Intangible Assets and Goodwill | €28.9M | €10.2M |
| Income Arising From Insurance Contracts | €0 | €0 |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €18.5M | €11.8M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €1.3M | -€624.0K |
| Income Taxes Paid Refund Classified As Operating Activities | -€439.6M | -€329.5M |
| Increase Decrease In Cash and Cash Equivalents | €1.56B | €508.4M |
| Increase Decrease Through Acquisition of Subsidiary | €0 | €0 |
| Increase Decrease Through Conversion of Convertible Instruments | €0 | €0 |
| Increase Decrease Through Sharebased Payment Transactions | -€1.6M | €7.9M |
| Inflows of Cash From Investing Activities | €35.8M | €125.8M |
| Intangible Assets Other Than Goodwill | €318.2M | €299.7M |
| Interest Expense | €2.12B | €1.46B |
| Interest Income For Financial Assets Measured At Amortised Cost | €3.85B | €3.15B |
| Interest Revenue Expense | €2.28B | €2.21B |
| Interest Revenue For Financial Assets Measured At Fair Value Through Other Comprehensive Income | €13.9M | €15.0M |
| Inventories Total | €0 | €0 |
| Investment Property | €4.1M | €2.6M |
| Investments In Associates | €76.2M | €68.4M |
| Investments In Joint Ventures | €168.4M | €167.1M |
| Investments In Subsidiaries Joint Ventures and Associates | €244.6M | €235.5M |
| Issued Capital | €269.7M | €269.7M |
| Legal Proceedings Provision | €149.8M | €133.5M |
| Liabilities | €116.09B | €107.69B |
| Liabilities Arising From Insurance Contracts | €0 | €0 |
| Liabilities Due To Central Banks | €0 | €1.32B |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €0 | €0 |
| Loans and Advances To Banks | €8.10B | €6.06B |
| Loans and Advances To Customers | €77.06B | €74.20B |
| Miscellaneous Other Operating Expense | €215.5M | €294.5M |
| Miscellaneous Other Operating Income | €32.8M | €34.9M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | €164.5M | €184.0M |
| Other Adjustments To Reconcile Profit Loss | €976.4M | €840.7M |
| Other Cash Payments To Acquire Interests In Joint Ventures Classified As Investing Activities | €0 | €0 |
| Other Cash Receipts From Sales of Interests In Joint Ventures Classified As Investing Activities | €0 | €3.8M |
| Other Comprehensive Income | €91.7M | €6.7M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | €39.6M | -€24.3M |
| Other Comprehensive Income Before Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | €0 | €0 |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | €0 | €0 |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €22.0M | €63.5M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €44.2M | -€34.3M |
| Other Comprehensive Income Before Tax Gains Losses On Hedging Instruments That Hedge Investments In Equity Instruments | €0 | €0 |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €2.1M | -€368.0K |
| Other Comprehensive Income Before Tax Hedges of Net Investments In Foreign Operations | €0 | €0 |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Before Tax | €46.7M | €40.7M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Before Tax | €45.0M | -€34.1M |
| Other Equity Interest | €18.2M | €19.8M |
| Other Liabilities | €379.8M | €407.1M |
| Other Nonfinancial Assets | €204.3M | €193.1M |
| Other Provisions | €152.3M | €181.8M |
| Other Reserves | -€18.0M | -€12.3M |
| Outflows of Cash From Investing Activities | €156.6M | €170.1M |
| Proceeds From Disposal of Noncurrent Assets Or Disposal Groups Classified As Held For Sale and Discontinued Operations | €19.6M | €112.4M |
| Proceeds From Issue of Subordinated Liabilities | €200.0M | €300.0M |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | €11.0M | €382.0K |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €5.2M | €9.2M |
| Profit Loss From Continuing Operations | €953.0M | €844.8M |
| Profit Loss From Discontinued Operations | €0 | €0 |
| Provisions | €333.8M | €346.2M |
| Provisions For Employee Benefits | €1.6M | €1.4M |
| Purchase of Treasury Shares | €79.9M | €79.4M |
| Reclassification Adjustments On Availableforsale Financial Assets Before Tax | -€1.9M | -€19.8M |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | €0 | €0 |
| Reclassification Adjustments On Exchange Differences On Translation Before Tax | €0 | €0 |
| Reclassification Adjustments On Hedges of Net Investments In Foreign Operations Before Tax | €0 | €0 |
| Reduction of Issued Capital | €0 | €0 |
| Repayments of Subordinated Liabilities | €0 | €0 |
| Revaluation Surplus | €0 | €0 |
| Revenue From Dividends | €15.1M | €15.3M |
| Revenue From Interest | €4.40B | €3.68B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Before Tax | €3.5M | €13.2M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Before Tax | €0 | €0 |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €34.9M | €31.6M |
| Share Premium | €0 | €0 |
| Treasury Shares | €1.4M | €1.4M |
Methodology
Every line item above is a fact tagged in BANKINTERSA's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.