Territorial
Organisation
of Andalusia

Origins and history

A

1980

The Territorial Organisation of Andalusia emerged as part of Bankinter’s expansion process, kicking off a period of growth that led to the opening of branch offices in Málaga and Seville in 1980, followed by Córdoba and Granada in 1981.

During the 1980s, the Bank accelerated its expansion on the Costa del Sol, leveraging the tourist boom, reaching more than 40 branch offices throughout Spain, of which 25 were in Málaga, many of them focused on business with foreigners.

1990

In 1990, the Andalusia and Extremadura Organisation was formally created, led by Juan Arenado, with headquarters in Seville. Key Services such as Risk, Operations and Legal Counsel were centralised, and the business was segmented into Wealth Management & Retail Banking and Corporate & SME Banking.

1992

In 1992, following Arenado's departure, the organisation was divided into Eastern Andalusia and Western Andalusia together with Extremadura.

1995

In 1995, they were unified again, with Extremadura being transferred to CLME, thus consolidating the Territorial Organisation of Andalusia. Specialised areas such as Stock Market, Insurance, Virtual Banking and Agency Network were developed, with leaders appointed for each segment. These changes occurred against the background of an economic crisis, highlighting the team's adaptability.

2024

The Organisation is currently headed by Olga Díaz, who has held the role since 2024.

Evolution
and changes

Adaptation to the market: Autonomy in commercial decisions, with a culture based on quality, innovation and deep customer knowledge.

High-impact products: The Special Deposit, mortgages after Law 2/94, and telephone banking marked key moments.

The territorial structure has undergone multiple transformations:

Organisation Managers

Juan Arenado (1990-1992).

Francisco Morell (1992-1995) - Eastern Andalusia.

Pedro Fernández Maestre (1992-2005) - Western Andalusia and Extremadura.

Eduardo Ozaita (2007-2010).

Juan Villasante (2011-2013).

Juan Carlos Barbero (2013-2024).

Olga Díaz Ramos (2024-actualidad).

Featured milestones

Decentralisation of services and customer segmentation.

Implementation of technologies such as M30 and business analytics.

Redirecting SME centres, strengthening the corporate culture.

Adaptation to economic crises such as those of 1992-93 and 2008.

Current
strengths

Balance in income by segments, contributing stability to the income statement.

Outstanding operational efficiency, considering the geographical dispersion of the centres.

High productivity by employee, standing out in strategic products and acquisition.

Positioning in SMEs that generates major synergies.

Presence in strategic sectors, such as the agri-food sector.

Key data

Number of branches

0

Over 40 branches were established in the eighties; currently, there are branches in 31 municipalities.

Number of employees

0

Customers

0

Business centres

At least one in each province

Future
outlook

The main challenge

Maintaining a balance between segments and strengthening the territorial model with innovation.

Harnessing technology and artificial intelligence to enhance efficiency and customer relations.

In the next 5-10 years

Achieving an organisation that is better adapted to the digital environment, with greater capacity for analysis and responsiveness.

Fostering a culture of continuous improvement, while maintaining competitiveness and close customer relations.

Territorial Organisation of Andalusia