Q4 2022 Bankinter SA Earnings Call Transcript
Good morning, and welcome to Bankinter Fourth Quarter 2022 Earnings Presentation. Our CFO, Jacobo Diaz, will start explaining the figures, and we will follow up with a Q&A session afterwards. Thank you.
Hello. Good morning. Good morning to everyone, and welcome to Bankinter's earnings presentation for the fourth quarter and full year of 2022.
The related financial statements were posted on the website of the CNMV before market opens. All documents can also be found on our corporate website.
Let me start with a quick review of the main achievements of the year 2022 just finished. It has been another outstanding year in commercial performance in all regions where we operate. A strong volume growth in balance sheet, together with the unexpected rate increased speed, have become the driving forces of the relevant growth in our operating income and pre-provisioning profit to 12% and 16%, respectively.
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