Data source: 2025-Q2 figures ingested from the EBA Transparency Exercise. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

Bankinter

BKT

Spain · EuropeRegulated by ECBLatest: 2025-Q2

78HIGH

CET1 Ratio

12.57%+0.27pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$44.0B

+1.70% QoQ growth

Total Loan Book

$80.7B

+3.0% YoY growth

Leverage Ratio

4.30%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q2

Comm. Real Estate28.0%

Consumer13.0%

SME / C&I36.0%

Other23.0%

Metric History

1 quarters · EBA Transparency Exercise

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	12.57%	4.30%	$44.0B	$80.7B	+3.0%	+1.70%	28.0%	13.0%	36.0%	78

AI Investment Memo

Llama will analyze Bankinter across 4 data dimensions and write a structured memo

Score: 78/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

78/100 —HIGH

Repeat issuer · scored on re-issuance timing

Re-issuance timing78

Last deal

14 mo ago

Typical cadence

23 mo

Through its re-issue cycle62%

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure12/40

CET1 12.57% — below active SRT zone

-0.57pp headroom above 8% regulatory floor

CET1 stable or improving (12.30% → 12.57%)

Leverage ratio 4.30% — approaching minimum, strong SRT incentive

Loan Book Growth8/30

Loan book grew 3.0% YoY

RWA grew 1.7% QoQ

CRE: 28%, Lev.Loans: 0%, max(Consumer/SME): 36%

Historical SRT25/25

Bank has previously issued SRT transactions

+15

14 months since last SRT deal — likely planning next transaction

+10

Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

Mid-Size Bank

$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha

+10

Europe regional bonus+8

Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood78/100