Q4 2021 Bankinter SA Earnings Call Transcript
Good morning, everyone, and welcome to Bankinter Fourth Quarter 2021 Results Presentation. Our CFO, Jacobo Diaz, will guide you through the presentation, and we will follow up with the usual Q&A session afterwards. Thank you.
Good morning to everyone, and welcome to Bankinter's earnings presentation for the fourth quarter and full year 2021. 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 view at a glance of the main achievements obtained during 2021. It has been a record year, commercial performance with individuals driving volume growth in balance and off-balance sheet products and services becoming the driving force of the strong growth in our pre-provisioning profit to 14% up, all this together with maintained solid asset quality and capital levels.
Even excluding the impact of segregation of LÃÂnea Directa, we have been able to post a strong growth in our net profit. We
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