Territorial
Organisation
of East Madrid

Origins and history

The East Madrid Territorial Organisation was established in January 2005 as a result of the division of the former Madrid Organisation, amid strong growth of the Bank and a high concentration of business in the Community of Madrid. This reorganisation allowed for a balance of weight between territories, improved internal comparability and, above all, brought decision-making closer to the customer, giving the network greater commercial agility.

From the outset, East Madrid has covered the eastern and southern areas of the capital and the Community, a broad and dynamic territory with a highly significant mix of individuals, corporates, and large corporate customers. This environment has been key to its development, by offering significant growth potential in both Retail Banking and more specialised segments.

The creation of this territorial organisation responded to several strategic factors: the importance of Madrid in the Bank’s income statement, the need to avoid excessive concentration in a single structure, the boost for a model based on specialisation and proximity, and the promotion of healthy competition among territorial organisations to drive the growth of the Bank as a whole.

In this initial stage, the role of José Luis Vega as the first head of the Organisation stands out, driving a team with a clear ambition to consolidate East Madrid as a reference territory, laying the foundations for its subsequent evolution.

The Organisation is currently led by Rafaela Vergara, who has held the position since 2019.

Evolution
and changes

Throughout its history, East Madrid has moved from a model centred on the branch network to an organisation that is increasingly specialised and segmented, continuously adapting to changes in the environment and to its customers' evolving needs.

Organisation Managers

José Luis Vega (2005–2012).

Marta Centeno (2013–2015).

Ignacio Lozano (2015–2018).

Rafaela Vergara (2019–present).

The territorial structure has historically been organised into two main commercial areas, Madrid East North and Madrid East South, to which a third, focused on Corporate & SME Banking, was later added, reinforcing the Bank's specialisation model.

Featured milestones

Initial development supported by the SME Centres and adaptation to the impact of the 2008 financial crisis.

Boost and consolidation of Private Banking from 2012 onwards.

Progressive growth of the Agent Network since 2014.

Creation of the Business Centres in 2015, as the axis of development in this segment.

Incorporation of Investment Banking (2017), generating new opportunities for business.

Creation of the Corporate Centre (2018), with strong subsequent growth.

The Organisation has shown great capacity for adaptation, adjusting its model at key moments and leveraging market cycles such as the recovery of the real estate sector or the growing relevance of structured financing, positioning itself in high-value transactions.

Current
strengths

The main strengths of East Madrid are based on the quality of its team, its positioning in key businesses, and its ability to generate profitable growth in a highly competitive environment.

Its team is its main asset: a group of professionals with strong commercial ambition, adaptability, and a pronounced customer focus, who have successfully built solid, long-term relationships.

From a business perspective, the Organisation has established itself as a leading competitor in certain areas, especially in the real estate development business, structured financing, and the development of Corporate & SME Banking and Investment Banking, with a recurring presence in relevant transactions in the market.

High level of team specialisation.

Strong local presence and in-depth understanding of the local market.

Strong positioning in property development business and real estate.

Growth in structured financing and corporate transactions.

Effective coordination between branches, corporates, private banking, and specialists.

Ability for high-value customer acquisition and generation of recurring business.

Moreover, the combination of a well-distributed physical network and specialised teams has enabled the provision of a comprehensive service to customers, reinforcing Bankinter’s value proposition in the region.

Key data

Total centres

Branches

Business Centres

Private Banking Centres

Corporate Centre

Agency network centres

Employees

Active customers

Income

€M en 2025

Future
outlook

East Madrid faces the coming years with significant growth potential, supported by both the quality of its team and the opportunities offered by its territory.

The main challenges are to continue advancing in specialisation, strengthen coordination between segments, and harness the development of new businesses, especially in the areas of Corporate & SME Banking and Investment Banking.

Challenges and strategic priorities

Transformation of the Corporate area to boost the balance sheet and results.

Strengthening synergies between Wealth Management & Retail Banking and Corporate & SME Banking.

Boost to advisory services in corporate transactions and real estate.

Incorporation of artificial intelligence into daily activity.

Continuous improvement of the customer experience and service quality.

In the next 5-10 years

An organisation with increased importance within the Bank, more specialised and efficient, capable of offering a distinctive service while preserving close customer relationships and consolidating its position as the benchmark territorial division.

Since its inception, Madrid Este has demonstrated a great capacity for growth and adaptation. Thanks to the commitment of its team and the trust of its customers, it looks to the future with ambition and with the aim of continuing to establish itself as one of the bank’s leading organisations, actively contributing to its success in the years to come.

Territorial Organisation of East Madrid