third

Información consolidada 3T septiembre 08
01. Datos significativos 1
third
quarter
twenty13
Financial Summary
September 2013

Index
2 3 4 6 7
1. Economic
and financial
environment
2. Financial highlights 3. Results 4. Balance sheet 5. Customer funds
and lending
8 8 9 10 11
6. Quality of assets 7. Doubtful debts
movement
8. Consolidated
income statements
9. Quarterly
statements of
income
10. Fees
12 13 14 14 15
11. Yields and costs 12. Quarterly yields
and costs
13. Contribution by
business area
14. Shareholders
equity and rating
15. Variation in net
worth
16 17 17 19 21
16. Creation of
shareholder value
17. People 18. Quality of service 19. Quarterly events 20. Corporate
responsibility

2
1. Economic and financial
environment
The third quarter of 2013 saw an improvement in the economic context of the developed countries. The US continued to
lead the global recovery, while Japan managed to grow at a good pace and the Eurozone, despite bringing up the rear,
showed significant signs of improvement. Nonetheless, this global recovery is being held back by the slowdown that the
emerging countries are suffering.
In the strictly domestic sphere, Spain shows early signs of improvement. Structural reforms and the process of fiscal
consolidation have considerably improved the way Spain is perceived from abroad, bringing down the cost of financing
debt issues. Additionally, improved competitiveness has allowed Spain’s current account balance to show a surplus,
reducing dependence on external financing. Employment figures for the third quarter of 2013 also showed an improving
trend, although reducing the unemployment rate will be a slow process. The keys to further progress in the short term are
the achievement of the fiscal deficit objectives and the ability to start growing again from the second half of 2013.
The Eurozone is evolving slowly but positively. Proof of this is the return to growth in the second quarter of the year,
following six consecutive quarters of contraction. This return to growth was based essentially on the contributions of the
two major powers, France and Germany, helped by less severe contraction in Spain and Italy. Furthermore, important
indicators of both activity and confidence are starting to pick up. Apart from this, we are seeing a more proactive stance
being adopted by the main European institutions, particularly the European Central Bank, which has confirmed that it
will keep interest rates low for as long as necessary, with the aim of stimulating demand for credit, which continues to be
weak.
The USA is in a more advantageous situation than other economies, with a very acceptable growth rate, recovery in
domestic demand and in the real estate market and satisfactory levels of job creation. This improvement in the US
economy has given rise to fears that the Federal Reserve may start reducing its monetary expansion programme (QE3) in
the next few months.
Japan has been the surprise of the year. By applying an ultra-expansionist monetary policy it is managing to reverse
the deflation that the country has suffered in recent years. The depreciation of the yen over the course of this year has
helped to reactivate economic growth, which is expected to be nearly 2.0% for the whole year. In contrast, the emerging
economies have suffered a significant reduction in their growth rates, in a context of instability caused by the depreciation
of their currencies and delays in implementing structural reforms.
On the other hand, the central banks continue to support the economy and as such constitute a fundamental pillar in the
economic recovery. As in the US and Japan, we are also seeing a more proactive attitude towards monetary expansion
on the part of the ECB. Increased liquidity and improved confidence in Europe have led to a degree of stabilisation in the
European debt markets, with risk premiums narrowing, especially those of Spain and Italy. This stabilisation in the debt
markets and the recovery of confidence in Europe has also had a positive influence on equity markets, which showed an
encouraging trend in the third quarter.
In short, the global economy is in a more advanced phase of economic recovery than in the preceding quarter. The
Eurozone, including Spain, are gradually joining this trend, although rates of economic growth and recovery in
employment will continue to be slow.

3
2. Financial highlights
thousands euros
Variation
Balance sheet 30/09/2013 30/09/2012 Amount %
Total assets 57,752,496 57,245,389 507,107 0.89
Credit facilities and loans 41,206,980 42,863,867 -1,656,887 -3.87
Controlled resources 48,110,909 43,057,204 5,053,705 11.74
On-balance sheet 37,106,090 35,531,494 1,574,596 4.43
Retail resources excl. repos 26,476,844 24,548,368 1,928,475 7.86
Negotiable securities, wholesalers 9,076,508 10,310,176 -1,233,668 -11.97
Off-balance-sheet managed funds 11,004,819 7,525,710 3,479,109 46.23
Equity 3,375,797 3,145,103 230,694 7.34
Earnings
Net interest income 461,925 513,558 -51,633 -10.05
Gross operating Income 993,418 953,395 40,024 4.20
Profit (loss) before impairment 492,618 450,332 42,286 9.39
Income before taxes 211,089 85,790 125,299 146.05
Net income attributed to the Group 155,805 72,296 83,509 115.51
RATIOS (%)
Nonperfor. loans 4.99 4.02 0.97 24.13
Recorded allowance/nonperforming loans 42.51 50.62 -8.12 -16.02
Cost to income 44.78 45.83 -1.05 -2.29
ROE 6.49 3.09 3.40 110.03
ROA 0.36 0.17 0.19 111.26
Core Capital Ratio 11.70 9.44 2.25 23.84
Bankinter shares
Number of shares 877,175,614 563,777,178 313,398,436 55.59
Closing price (€) 3.98 3.38 0.60 17.84
EPS (€) 0.21 0.14 0.07 50.00
DPS (€) 0.06 0.07 -0.01 -14.29
Branches and centers
Number of branches 359 366 -7 -1.91
Sales offices
Corporate 46 46 0 0.00
SME 77 79 -2 -2.53
Private Banking 38 59 -21 -35.59
Corporate Partnerships 370 362 8 2.21
Number of agents 464 513 -49 -9.55
Telephone banking and Internet 3 3 0 0.00
Headcount
Number of employees 4,079 4,102 -23 -0.56
LDA employees 1,898 1,900 -2 -0.11

4
3. Results
The Bankinter Group posted net income of €155.8 million for the first nine months of the year, just over twice as much as the
same period last year (115.5% more). Pre-tax profits were €211.1 million, up by 146% on the nine months to 30 September
2012.
These solid results are based on the good performance of revenues both from the banking and the insurance activities, the fruit
of a sound business strategy. In parallel with this, Bankinter continues to improve its level of solvency, as well as its financing
structure and the quality of its assets, further increasing its lead over the rest of the sector.
In this regard it should be pointed out that the Bank’s NPL ratio at the end of the third quarter was 4.99%, considerably
less than half the sector average, and that the increase relative to the previous quarter was essentially due to the review of
refinanced positions. Similarly, the bank’s portfolio of problem assets is small and enjoys a high degree of coverage: 42.5% of
NPLs and 37.5% of repossessed assets.
As regards solvency, Bankinter continues to strengthen its capital ratios, reaching an EBA capital ratio of 11.7% at the end of
the third quarter, thanks mainly to the generation of recurring profits and a reduction in capital requirements in coverage of
lending to SMEs.
We should also stress that the Bank has no wholesale debt issues maturing until the fourth quarter of 2014 (€1.2 billion), with
a further €1.2 billion due in 2015. The Bank has €6.3 billion of liquid assets with which to meet these maturities.
In line with this, the Bank has continued to improve its financing structure, reducing its liquidity gap by €2.6 billion so far
this year, while at the same time strengthening the ratio of deposits to loans, which stood at 71.8% as at 30 September 2013,
compared with 64.9% one year earlier.
As regards customer business, the Bank continues to focus its strategy on specific customer segments, especially private
banking. Between September 2012 and September 2013, the amount of new private banking customers won over was 21%
more than in the preceding twelve-month period. In that same period, private banking customers’ assets with the Bank
increased by 18.2%. Another positive figure is the number of SICAV (open-ended collective investment funds) managed by the
Bank, which stood at 277 at the end of the third quarter, 9.9% more than a year before.
The insurance sales and distribution business showed a similar trend, particularly as regards Línea Directa, with significant
growth in all branches. The total number of Línea Directa policies as at 30 September 2013 stood at 2.06 million, representing
an increase of 5.9% compared with the end of Q3 2012. By branch, in relative terms the 30.4% YoY increase in the number of
home insurance policies stands out.
The quality of customer service through all the Bank’s various channels and networks continues to be one of the key factors
on which the Bank bases its growth strategy. According to EQUOS RCB’s “Analysis of objective quality in commercial banking
networks”, Bankinter comes out on top at the end of the third quarter of this year, with 7.26 points compared with the market
average of 6.04.
Margins and results
The results presented by the Bankinter Group for the period that ended in September 2013 are based on good performance by
all sources of revenue, especially those deriving from businesses on which the bank has focused its strategy, such as private
and corporate banking, and on the good performance of the insurance activity. This increase in revenue, together with cost
containment, has led to a further improvement in the cost/income ratio for the banking activity, which was 41.2% for the
period.

Bankinter’s interest margin for the first nine months of the year stood at €461.9 million, representing a 10% decrease relative
to YTD 30 September 2012, due essentially to the sharp fall in the one-year EURIBOR, which is still at all-time record lows.
However, this reduction in the interest margin continues to recover, having bottomed out in the first quarter. In fact, the
interest margin for the third quarter was €173.5 million, which is 11.3% more than the figure for the second quarter, which in
turn was already 17.5% up on the first quarter of the year. This improvement was due to positive trends in customer margins
and reduced financing costs.
5
As regards the gross margin and the margin before provisions, Bankinter continues to increase growth figures quarter by
quarter. This is particularly noteworthy in the current difficult environment.
The gross margin for the nine months to 30 September was €993.4 million, up 4.2% on the same period of last year (YTD end-
June it was up 2.4%), thanks to the good performance of net commissions, which increased by 18.5% for the period, due largely
to the private and corporate banking activities.
As for the margin before provisions (€492.6 million YTD 30 September 2013), it was up by 9.4% on the previous year (YTD
end-June 6.1%), which allowed the €19.6 million of additional provisions required by the supervisor relating to the review of
refinancing operations to be absorbed.
Bankinter’s net profit for the nine months to 30 September 2013 was €155.8 million, on pre-tax profit of €211.1 million,
representing respective increases of 115.5% and 146% on the same period of last year.
Turning to the balance sheet, Bankinter’s total assets at the end of the third quarter stood at €57,752.5 million, 0.9% more than
at 30 September 2012. Resources under the Bank’s control amounted to €48,110.9 million, representing an increase of 11.7%.
Also worth highlighting is the increase in resources managed off-balance sheet, particularly investment funds, which grew by
53.6% compared with the third quarter of 2012, and the consequent 30.4% increase in management fees received.
Customer lending amounted to €41,207 million, 3.9% less than at 30 September 2012, although it should be borne in mind that
in that same period total lending of the Spanish finance sector fell by more than twice as much as this.
Bankinter maintains exceptional asset quality.
At the end of September, doubtful debts stood at €2,282.7 million, representing 4.99% of the Bank’s computable risk, well
below the sector average. It must be pointed out, however, that the increase in NPLs during the quarter was largely due to the
reclassification of refinanced loans in accordance with the new criteria of Spain’s central bank. In fact, of the approximately
€200 million increase in doubtful debts compared with the previous quarter, €144 million is due to this change of criterion.
Bankinter’s portfolio of refinanced loans at the end of Q3 stood at €1,719 million, representing 3.8% of the total computable
risk, as against an 11% average for comparable banks. Of this refinanced portfolio, 39% is in ‘regular’ status’, 22% in ‘substandard’
and 39% is in arrears.
Bankinter’s portfolio of repossessed assets is very small and of high quality, concentrated particularly in residential property
and, in all cases, with adequate risk cover. The gross value of the portfolio is €643.5 million, with cover of 37.5%. Furthermore,
the Bank is selling them at an exceptionally fast pace, with gross sales of these assets representing 85% of gross new additions
during the first nine months of the year.
As regards equity, the bank’s solvency ratios, estimated in accordance with the Bank of Spain’s solvency rules and EBA criteria,
are in a more solid position at the end of the first half of 2013 than one year previously, with a capital surplus of €1,328 million,
21.5% more than at 30 September 2012.
Lastly, we should point out the good performance of Bankinter’s stock (BKT) during this period. Over the past twelve months
the stock has gained 83.30% adjusted for the bonus issue.

6
4. Balance sheet
thousands euros
ASSETS
Var. Sep. 13 / Dec. 12 Var. Sep. 13 / Sep. 12
30/09/13 31/12/12 Thousand € % 30/09/12 Thousand € %
Cash on hand and on deposits at central banks 345,343 665,374 -320,030 -48.10 550,124 -204,781 -37.22
Trading portfolio 3,677,131 2,109,264 1,567,867 74.33 1,676,165 2,000,966 119.38
Other financial assets at fair value
50,675 39,860 10,815 27.13 26,460 24,215 91.51
with changes to P&L account
Available for sale portfolio 6,748,339 6,132,471 615,868 10.04 4,976,806 1,771,533 35.60
Loans 42,581,991 44,751,950 -2,169,959 -4.85 45,118,745 -2,536,753 -5.62
Due from banks 1,245,163 1,093,728 151,434 13.85 1,266,311 -21,148 -1.67
Counterparty bodies 59,592 1,515,635 -1,456,043 -96.07 947,875 -888,283 -93.71
Customer loans 41,206,980 42,059,716 -852,735 -2.03 42,863,867 -1,656,887 -3.87
Debt instruments 70,257 82,871 -12,615 -15.22 40,692 29,564 72.65
Investment portfolio held to maturity 2,762,388 2,755,355 7,033 0.26 3,201,072 -438,684 -13.70
Hedge derivatives and macro-derivatives 78,713 155,219 -76,506 -49.29 134,571 -55,858 -41.51
Other assets available for sale 402,027 381,141 20,886 5.48 361,024 41,003 11.36
Associates 38,874 40,600 -1,726 -4.25 28,072 10,802 38.48
Reinsurance assets 6,275 6,716 -442 -6.58 9,324 -3,050 -32.71
Property, plant and equipment 437,278 442,288 -5,010 -1.13 449,209 -11,931 -2.66
Intangible assets 304,600 317,537 -12,937 -4.07 322,201 -17,601 -5.46
Fiscal assets and others 318,861 368,113 -49,252 -13.38 391,615 -72,754 -18.58
TOTAL Assets 57,752,496 58,165,889 -413,393 -0.71 57,245,389 507,107 0.89
Liabilities
Trading portfolio 2,441,245 1,797,324 643,921 35.83 1,503,340 937,905 62.39
Financial liabilities at amortized costs 50,847,133 52,079,071 -1,231,938 -2.37 51,483,983 -636,850 -1.24
Hedge derivatives and macro-derivatives 26,192 43,100 -16,908 -39.23 39,459 -13,267 -33.62
Insurance liabilities 611,370 618,286 -6,916 -1.12 631,918 -20,549 -3.25
Write-offs and provisions 59,411 48,200 11,211 23.26 49,039 10,371 21.15
Tax liabilities and others 391,349 348,812 42,537 12.20 392,546 -1,197 -0.30
TOTAL Liabilities 54,376,699 54,934,793 -558,093 -1.02 54,100,285 276,413 0.51
Valuation adjustments 55,972 3,052 52,920 1,734.05 -63,189 119,161 -188.58
Equity 3,319,825 3,228,045 91,781 2.84 3,208,292 111,533 3.48
Total equity 3,375,797 3,231,096 144,701 4.48 3,145,103 230,694 7.34
Total equity and liabilities 57,752,496 58,165,889 -413,393 -0.71 57,245,389 507,107 0.89

7
5. Customer funds
and lending
en thousands miles de euros
Variation
30/09/2013 30/09/2012 Amount %
Retail funds 26,476,844 24,548,368 1,928,475 7.86
Government deposits 379,016 265,495 113,522 42.76
Private Sector Deposits 24,530,890 19,893,898 4,636,992 23.31
Current accounts 13,012,609 9,180,945 3,831,663 41.73
Term deposits 11,375,767 10,576,445 799,322 7.56
Valuation adjustments 142,514 136,507 6,006 4.40
Other sight liabilities 335,476 490,097 -154,621 -31.55
Online marketable securities 1,231,461 3,898,879 -2,667,417 -68.41
Temporary assignment of assets 1,552,739 672,950 879,789 130.74
Wholesale marketable securities 9,076,508 10,310,176 -1,233,668 -11.97
Promissory notes and bills of exchange 729,886 767,057 -37,171 -4.85
Securitised notes 2,662,682 3,011,244 -348,563 -11.58
Mortgage-backed bonds 5,393,335 5,693,774 -300,439 -5.28
Senior notes 179,949 597,086 -417,136 -69.86
Valuation adjustments 110,656 241,015 -130,358 -54.09
Total 37,106,090 35,531,494 1,574,596 4.43
Off-balance sheet resources 11,004,819 7,525,710 3,479,109 46.23
Own investment funds 5,624,942 3,502,600 2,122,342 60.59
External investment funds sold 1,805,517 1,335,843 469,674 35.16
Pension funds 1,538,524 1,314,981 223,542 17.00
Management of SICAVs (open-ended collective investment companies) 2,035,835 1,372,285 663,550 48.35
Loans to government bodies 1,859,723 1,581,692 278,031 17.58
Other sectors 39,347,257 41,282,175 -1,934,918 -4.69
Commercial lending 1,855,229 1,965,916 -110,687 -5.63
Receivables secured by collateral 25,693,345 28,307,025 -2,613,680 -9.23
Other non-current receivables 8,741,477 8,141,594 599,883 7.37
Personal loans 4,377,745 3,924,507 453,238 11.55
Overdraft facilities 4,069,571 3,932,735 136,836 3.48
Other non-current receivables 294,161 284,352 9,809 3.45
Finance leases 779,435 832,254 -52,819 -6.35
Doubtful debts 2,247,423 1,868,136 379,288 20.30
Valuation adjustments -975,919 -943,948 -31,972 3.39
Other lending 1,006,266 1,111,197 -104,931 -9.44
Total customer lending 41,206,980 42,863,867 -1,656,887 -3.87
Risk off the balance sheet 9,152,005 9,117,367 34,638 0.38
Contingent risks 2,439,315 2,457,753 -18,438 -0.75
Available to third parties 6,712,690 6,659,614 53,076 0.80

8
6. Quality of assets
thousands euros
Variation
30/09/2013 30/09/2012 Amount %
Computable risk 45,711,729 47,124,078 -1,412,349 -3.00
Doubtful risk (including contingent risks) 2,282,712 1,894,984 387,728 20.46
Required provisions 970,280 959,310 10,969 1.14
NPL ratio (%) 4.99 4.02 0.97 24.13
Coverage rate (%) 42.51 50.62 -8.12 -16.02
Repossessed assets 643,524 587,420 56,104 9.55
Provision for foreclosed assets 241,497 226,396 15,101 6.67
Foreclosed assets coverage(%) 37.53 38.54 -1.01 -2.62
7. Doubtful debts movement
thousands euros
Variation
Doubtful debts movement (including contingent risks) 30/09/2013 30/09/2012 Amount %
Initial balance 1,984,028 1,515,767 468,261 30.89
Net entries 476,741 513,997 -37,256 -7.25
Write downs 178,057 134,780 43,277 32.11
Final balance 2,282,712 1,894,984 387,728 20.46
Bankinter NPLs compared with whole sector (in %)
12.12%
4.99%
98 00 02 04 06 08 10 12
l Bankinter
l Sector

9
8. Consolidated income
statements
thousands euros
30/09/2013 30/09/2012 Variation
Amount Amount Amount %
Interest and related income 1,113,703 1,308,432 -194,729 -14.88
Interest and related charges -651,778 -794,874 143,096 -18.00
Net interest income 461,925 513,558 -51,633 -10.05
Divident income 7,944 8,399 -455 -5.42
Equity method 11,013 12,790 -1,777 -13.89
Net fees and commissions 177,765 150,042 27,723 18.48
Trading income 154,710 106,560 48,150 45.19
Other operating income/expense 180,062 162,046 18,016 11.12
Gross operating income 993,418 953,395 40,024 4.20
Personnel expenses -251,732 -244,728 -7,003 2.86
General expenses / Amortization -241,161 -241,382 221 -0.09
Other -7,908 -16,952 9,044 -53.35
Operating profit (loss) before impairment 492,618 450,332 42,286 9.39
Additions to provisions -7,877 451 -8,328 n.r,
Asset losses -233,498 -342,581 109,083 -31.84
Operating profit (loss) net of impairment 251,243 108,202 143,042 132.20
Gain / losses on disposals of assets -40,154 -22,412 -17,743 79.17
Profit before taxes 211,089 85,790 125,299 146.05
Tax on income -55,284 -13,495 -41,789 309.67
Net income 155,805 72,296 83,509 115.51

10
9. Quarterly statements
of income
thousands euros
Variation (%) 2013 2012
3Q13 3Q13/3Q12 3Q13/2Q13 2Q13 1Q13 4Q12 3Q12
Interest and related income 370,103 -13.76 0.73 367,436 376,164 399,265 429,165
Interest and related charges -196,626 -22.66 -7.08 -211,614 -243,539 -252,567 -254,252
Net interest income 173,477 -0.82 11.33 155,822 132,625 146,697 174,913
Divident income 1,949 19.85 -48.67 3,796 2,199 3,392 1,626
Equity method 4,046 -6.08 18.47 3,415 3,553 4,887 4,307
Net fees and commissions 61,477 19.41 1.88 60,345 55,943 53,798 51,483
Trading income 36,060 41.02 -30.67 52,014 66,636 38,570 25,571
Other operating income/expenses 58,973 10.14 -4.03 61,451 59,639 53,301 53,542
Gross operating income 335,981 7.88 -0.26 336,844 320,594 300,646 311,443
Personnel expenses -82,830 3.76 -1.66 -84,226 -84,676 -78,351 -79,825
General expenses / Amortization -80,166 2.52 -0.97 -80,948 -80,047 -80,989 -78,196
Other -2,654 -60.66 -13.63 -3,073 -2,181 -2,466 -6,746
Operating profit (loss) before
170,331 16.13 1.03 168,597 153,690 138,840 146,676
impairment
Additions to provisions -4,940 n.r 61.99 -3,050 113 -472 26
Asset losses -81,925 14.48 6.52 -76,911 -74,662 -76,447 -71,562
Operating profit (loss) net of
83,465 11.08 -5.83 88,637 79,142 61,921 75,140
impairment
Gain / losses on disposals of assets -11,517 15.91 -33.39 -17,289 -11,348 6,468 -9,936
Profit before taxes 71,948 10.34 0.84 71,347 67,794 68,389 65,204
Tax on profit -18,440 18.62 -5.06 -19,422 -17,423 -16,031 -15,546
Net income 53,509 7.75 3.05 51,926 50,371 52,358 49,658
Gross margin and cost to income (%) Operating income before provisions (million €)
337 336
321
180
160
140
311
120
100
301
80
60
45.8 46.2 46.5
45.4 44.8
40
20
0
3Q12 4Q12 1Q13 2Q13 3Q13 3Q12 4Q12 1Q13 2Q13 3Q13
l Gross margin
l Cost to income

11
10. Fees
thousands euros
Variation
30/09/2013 30/09/2012 Amount %
Fees paid 47,845 53,129 -5,284 -9.95
Fees received
Guarantee and L/C 22,018 20,590 1,427 6.93
Foreign exchange 5,701 5,496 206 3.74
Due to contingent commitment 11,573 10,608 965 9.10
Payment and collection services 52,107 43,125 8,981 20.83
Brokerage services 35,066 31,574 3,492 11.06
Underwritting and management fees 1,117 2,327 -1,210 -51.99
Buy/sell orders 15,829 14,506 1,323 9.12
Custody and administration 14,222 14,081 141 1.00
Wealth management 3,898 660 3,238 490.57
Non-banking financial products 71,730 63,366 8,364 13.20
Asset Management 40,510 31,645 8,865 28.01
Insurance and Equity 31,220 31,721 -501 -1.58
Other commissions 27,415 28,412 -997 -3.51
Total fees received 225,610 203,171 22,439 11.04
Fees and commissions net 177,765 150,042 27,723 18.48

12
11. Yields and costsin %
30/09/2013 30/09/2012
weighting rate weighting rate
Cash on hand and on deposit at central banks 0.66 0.41 0.89 0.46
Due from banks 3.45 0.46 3.86 1.38
Credit facilities and loans (a) 70.19 2.72 72.91 3.12
Debt securities 20.17 3.17 16.31 3.94
Equity portfolio 0.57 3.25 0.50 3.80
Average earnings assets (b) 95.04 2.74 94.49 3.16
Other assets 4.96 5.51
Average total assets 100.00 2.60 100.00 2.99
Due to central banks 13.25 0.63 15.31 0.94
Due to banks 12.83 1.77 14.54 1.82
Customer funds (c) 62.65 1.81 61.87 2.23
Customer deposits 43.89 1.73 35.51 1.95
Marketable debt securities 18.76 2.00 26.36 2.60
Subordinated liabilities 1.28 4.50 1.64 4.29
Average interest bearing funds (d) 90.02 1.67 93.37 1.93
Other liabilities 9.98 6.63
Average total funds 100.00 1.51 100.00 1.80
Customer spread (a-c) 0.91 0.89
Net interest margin (b-d) 1.07 1.23

13
12. Quarterly
yields and costs
in %
Cash on hand and on deposit at
central bank
3Q13 2Q13 1Q13 4Q12 3Q12
weighting rate weighting rate weighting rate weighting rate weighting rate
0.71 0.29 0.55 0.57 0.71 0.42 0.67 0.46 0.58 0.42
Due from banks 3.49 0.52 3.28 0.44 3.59 0.43 2.99 0.61 3.62 0.87
Credit facilities and loans (a) 70.10 2.65 69.71 2.70 70.76 2.80 75.14 2.86 72.85 3.04
Debt securities 20.18 3.16 20.79 3.10 19.55 3.26 16.72 3.71 16.77 3.80
Equity portfolio 0.58 2.33 0.57 4.62 0.55 2.80 0.49 4.87 0.47 2.35
Average earnings assets (b) 95.05 2.69 94.91 2.73 95.17 2.79 96.01 2.94 94.29 3.09
Other assets 4.95 5.09 4.83 3.99 5.71
Average total assets 100.00 2.56 100.00 2.59 100.00 2.66 100.00 2.82 100.00 2.92
Due to central banks 12.27 0.50 12.32 0.61 15.16 0.75 16.86 0.76 16.51 0.78
Due to banks 14.01 1.61 13.85 1.67 10.64 2.09 9.50 2.27 13.71 1.87
Customer funds (c) 62.26 1.61 62.39 1.77 63.31 2.05 62.07 2.14 58.36 2.19
Customer deposits 44.63 1.50 44.14 1.67 42.91 2.04 39.97 2.12 35.97 1.87
Marketable debt
17.62 1.89 18.25 2.02 20.41 2.07 22.10 2.18 22.40 2.71
securities
Subordinated liabilities 1.21 4.75 1.31 4.48 1.33 4.30 1.48 3.80 1.58 4.26
Average interest bearing funds (d) 89.75 1.50 89.87 1.64 90.44 1.87 89.92 1.93 90.18 1.85
Other liabilities 10.25 10.13 9.56 10.08 9.82
Average total funds 100.00 1.35 100.00 1.47 100.00 1.70 100.00 1.73 100.00 1.67
Customer spread (a-c) 1.04 0.93 0.75 0.72 0.85
Net interest margin (b-d) 1.19 1.09 0.92 1.01 1.24
Quarterly ATA (Thousand €) 57,768,717 57,439,351 57,770,293 56,774,164 58,781,551
Customer margin for the quarter / return on customer
lending and cost of customer resources (%)
4
3
2
0.85
0.72
0.75
0.93
1.04
1
0
3Q12 4Q12 1Q13 2Q13 3Q13
l Cost of customer resources
l Customer margin for the quarter
l Return on customer lending

14
13. Contribution
by business area
thousands euros
Variation
30/09/2013 30/09/2012 Amount %
Customer segments 782,916 723,230 59,685 8.25
Commercial and Private Banking 338,043 327,522 10,521 3.21
Corporate Banking 444,873 395,708 49,165 12.42
Capital market 299,612 264,737 34,874 13.17
Línea Directa 241,104 233,422 7,682 3.29
Corporate Centre -330,213 -267,995 -62,218 23.22
Gross Margin 993,418 953,395 40,024 4.20
14. Shareholders
equity and rating
thousands euros
Variation
30/09/2013 30/09/2012 Amount %
Paid-in capital and reserves 3,154,473 2,965,269 189,204 6.38
Other equity instruments 72,103 72,800 -698 -0.96
Capital with nature of financial liability 60,844 60,844 0 0.00
Treasury shares -579 -3,271 2,692 -82.29
Intangible assets and other -275,669 -277,099 1,430 -0.52
Other deductions -167,660 -147,640 -20,020 13.56
Tier 1 2,843,511 2,670,902 172,609 6.46
Revaluation reserve 0 96,220 -96,220 -100.00
Subordinated debt financing 505,424 609,095 -103,671 -17.02
Other deductions -167,056 -134,522 -32,534 24.19
Tier 2 338,368 570,793 -232,426 -40.72
Total Equity 3,181,879 3,241,695 -59,816 -1.85
Risk-weighted assets 23,173,270 26,863,644 -3,690,374 -13.74
Tier 1 (%) 12.27 9.94 2.33 23.42
Tier 2 (%) 1.46 2.12 -0.66 -31.28
Capital ratio (%) 13.73 12.07 1.66 13.79
Excess 1,328,018 1,092,604 235,414 21.55
Core Tier 1 2,710,564 2,537,259 173,306 6.83
Core Tier 1 ratio 11.70 9.44 2.25 23.84
Ratios estimated in accordance with the Bank of Spain’s solvency regulations and EBA criteria.
Short term Long term Outlook Date
DBRS R-1 (low) A (low) Negative November 2012
Moody’s NP Ba1 Negative June 2012
Standard & Poor’s B BB Stable July 2013

15
15. Variation
in net worth
thousands euros
Balance at January 1, 2012 3,086,996
Dividends -64,497
Valuation adjustments 34,697
Income for the year 124,654
Other variations 49,246
Balance at December 31, 2012 3,231,096
Balance at January 1, 2013 3,231,096
Dividends -48,066
Valuation adjustments 52,920
Income for the year 155,805
Other variations -15,958
Balance at September 30, 2013 3,375,797

16
16. Creation of
shareholder value
Period per share data (€)
Earnings per share 0.21
Diluted earnings per share 0.21
Dividend per share 0.06
Book value per share 3.85
Price at beginning of year 3.14
Low 2.69
High 4.11
Closing price 3.98
Appreciation in last quarter (%) 45.15
Appreciation in last 12 months (%) 17.84
Past 12 months’ revaluation adjustment for bonus issue (%) 83.30
Stock market ratios
Price/Book value (times) 1.03
PER (price/earnings, times) 16.76
Dividend yield (%) 2.28
Number of shareholders 73,385
Number of shares 877,175,614
Number of shares held by nonresidents 290,466,340
Average daily trading (number of shares) 7,309,876
Average daily trading (thousands of euros) 25,905
Market capitalisation (thousand of euros) 3,488,527
Share price. Relative variation (%) (September-12 base 100)
Sep 12 Sep 13
l Ibex 35
l Bankinter
l Eurostoxx Banca (SX7P)
Note: Share prices prior to the bonus issue have been adjusted so as to
be comparable with the Ibex 35 and Euro Stoxx Banks.

17
17. People
30/09/2013 30/09/2012 Variación %
Number of employees (*) 4,079 4,102 -23.00 -0.56
Average length of service of employees (in years) 13.00 12.00 1.00 8.33
Average age (in years) 40.00 39.00 1.00 2.56
Employee distribution by gender (%)
Men 49.11 48.83 0.28 0.57
Women 50.89 51.17 -0.28 -0.55
Workforce that has logged in from a remote system (%) 26.53 30.20 -3.67 -12.15
Internal job rotation (%) 22.62 16.68 5.94 35.62
External turnover (%) 3.88 5.93 -2.05 -34.60
Percentage of the headcount with university degrees (%) 81.10 77.96 3.14 4.03
(*)Data on mobile Resource Turnover in last 12 months.
18. Quality of service
By segments
By distribution channel
85
80
75
70
65
60
81
79
77
75
73
71
69
3Q 2012 4Q 2012 1Q 2013 2Q 2013 3Q 2013 3Q 2012 4Q 2012 1Q 2013 2Q 2013 3Q 2013
l Private banking
l Personal banking
l Individuals banking
l Corporate banking
l Companies
l Foreign customers
l Bankinter Partnet
l Agent Network
l Branch Network
l Remote Network
Notes:
Foreign customers segment: the rating was significant as a quarterly moving avareage in June and December.
Small enterprises segment: the rating was significant as a quarterly moving avareage in December.
ISN satisfaction scale
>85 excelent
75-85 good
60-75 fair

18
Evolution of the % of clients who recommend Bankinter
Using channels
Transactions by channel
30
25
20
21.2%
22.8%
24.7% 24.6%
23.2%
15
10
5
0
3Q 2012 4Q 2012 1Q 2013 2Q 2013 3Q 2013
l 1 channel, 42%
l 2 channel, 39%
l 3 channel, 19%
l Telephone Banking, 4.3%
l Cellular phones, 10.3%
l Internet, 44.0%
l Branchs, 33.6%
l Cards, 2.9%
Analysis of objective quality in the branch banking
networks: Bankinter compared with market trend
10
Products by customer
6.5
9
6.0
5.5
5.4
5.3
8
7
6
7.2 7.3
7.0
6.0
5.0
4.5
4.0
3.5
5
2007 2008 2009 2010 2011 2012 3Q13
3.0
3Q 2012 4Q 2012 1Q 2013 2Q 2013 3Q 2013
l Market
l Bankinter
Churn rate, private individuals
Churn rate, companies. Qualified
7
7.0
5.8
7
6
6.5
6.4
6.3
5.4
6
5
5.5
4
5
S12 D12 M13 J13 S13 S12 D12 M13 J13 S13

19
19. Quarterly events
S&P raises Bankinter’s credit rating outlook
In mid-July, Standard & Poor´s credit rating agency
confirmed Bankinter’s long- and short-term rating at
‘BB/B’, raising its outlook for the Bank from ‘negative’ to
‘stable’.
The US agency, which sees an upward revision of the
credit rating as likely in the medium term, based its
decision on Bankinter’s ability to generate recurring profits
in spite of the adverse context in Spain, and on the efforts
made to bolster its capital. In making its decision, S&P
also took account of the high quality of the bank’s assets
compared to those of other Spanish banks.
According to S&P, the Bank’s low level of NPLs and the
reduction in future provisioning requirements following
the exceptional additions required of the financial sector
in 2012, will have a positive effect on Bankinter’s organic
earnings and on its ability to generate capital.
In its report, the rating agency also speaks highly of the
change made by Bankinter to its business model, reducing
its previously heavy dependence on low-margin mortgage
lending to focus on growth in the corporate lending
business and the private banking customer segment. It
also highlights the Bank’s efforts to change its financing
mix, reducing its reliance on wholesale markets in favour
of greater weighting of retail financing.
Bankinter EURIBOR + 1.95 Mortgage Loan
Bankinter recently gave a further boost to its mortgage
loan offering by improving the terms of the floating rate
mortgage loan to include a margin over EURIBOR up to
1.95%, with no opening or early repayment commissions
and no minimum interest rate; in other words the most
favourable conditions in the market for a product of this
kind.
Bankinter’s new mortgage loan features a first-year
interest rate of 3.9% if the borrower takes out payment
protection insurance, or 4.2% otherwise.
After the first year, the interest rate applied is EURIBOR
plus a margin that can be as low as 1.95% if the borrower
signs up for the corresponding overall product package:
direct payroll deposit, three utility bills, life insurance and
home insurance. If any of these three products is not signed
up for, the margin will increase: by 1% without direct
payroll deposit or life insurance, and by 0.25% without
home insurance.
We should point out that this new sales campaign includes
new special conditions for borrowers aged under 35. For
these customers Bankinter undertakes, by means of a
certificate, to maintain the EURIBOR applied at the time
of signing for three years, passing on the benefit of any
reductions on the first two annual revisions but not the
effect of any increases.
The commercial offer of this product is conditional upon the
acquisition of a primary residence with an appraised value
equal to or in excess of €150,000, a maximum loan-to-value
of 80%, and borrowers with aggregate net income of at
least €3,000 per month. The maximum term for which the
mortgage loan can be taken is 30 years.

20
Bankinter’s new mortgage loan features all the benefits that
the Bank normally offers with this type of product, and can
be signed up to on the same financial terms as a ‘Hipoteca
Sin Más’, i.e. using the mortgaged residential property as
the only security.
New online fixed income broker
Bankinter has launched a new online fixed income broker,
through which the Bank’s customers can directly access a
wide range of public and private debt issues both domestic
and international.
Bankinter’s fixed income broker enables clients to buy
and sell debt issues in the secondary market, use various
search tools to filter the issues best suited to each particular
customer’s needs and actively monitor the fixed income
portfolio, accessing the valuations of their issues, the details
of their transactions, movements, coupon payments, etc.
The fixed income broker product offering includes domestic
and foreign public and private debt issues: mortgage-backed
bonds, senior private debt and subordinated debt.
Bankinter Mobile Telephony, relaunch of the operator
with new rates.
During the quarter, Bankinter’s mobile telephony
distribution service launched a new commercial offering
which, among other advantages, includes calls at one
euro cent a minute at any time and to any destination.
The new Smartphone Rate, positioned as one of the
cheapest in the market, involves a drastic reduction in
the nominal price per minute compared with the rates
previously offered by the operator.
Along with calls at one euro cent a minute, the new
Smartphone Rate features the following conditions: a
monthly fee of €6, which includes a flat rate for 500
MB of high-speed data; as well as free calls between
Bankinter telephones and no charge for data traffic to
Bankinter destinations, meaning that navigation and
SMS to the Bank’s web pages and services from a mobile
phone, or even using the broker service from a mobile,
will cost the customer nothing.
For customers who make more intensive use of the
mobile phone, Bankinter offers one of the cheapest
voice and data rates in the market, the ‘Tarifa 19’, which
includes 250 minutes a month of ‘anytime, anywhere’
calls and 1 GB of high-speed data navigation. All this
for just €19 a month for life, without a long-term
commitment.

21
20. Corporate
responsibility
Bankinter obtains verification of its carbon footprint for
2012
Bankinter has obtained from SGS, an independent analysis
and certification body, verification of the calculation of its
organisational carbon footprint based on the Greenhouse Gas
Protocol, the most- used international tool for calculating
emissions, which is also in line with the requirements of the
Intergovernmental Panel on Climate Change (IPCC).
In this way, SGS, a world leader in inspection, verification,
analysis and certification, recognises the validity of the
methodology applied by the Bank to calculate direct and
indirect greenhouse gas (GHG) emissions produced by its
activity, as well as the veracity of the data included en its
2012 Report on Organisational Carbon Footprint, which
conforms to the principles established in the GHG Protocol.
Bankinter has been calculating its carbon footprint since
2007. The calculation takes account of GHG emissions
in three different contexts (or ‘scopes’): those associated
with the activity of the bank’s branch network and central
facilities, those associated with providers and the workforce
and those due to customers.
With this global analysis of emissions, Bankinter is
preparing ahead of time for the initiatives of the European
Commission and the Spanish government in their
proposals that companies should report emission data
beyond Scope 1 (direct emissions).

Bankinter SA
Paseo de la Castellana. 29
28046 Madrid
T, 913 397 500
bankinter,com