Territorial
Organisation
of West Madrid

Origins and history

M

The West Madrid Territorial Organisation emerged as a result of the development of a single Madrid Organisation which, as Bankinter consolidated its specialised and close-to-customer banking model, made it necessary to divide its territorial structure. This separation enabled management optimisation, balanced the weight of the business, and gave the network greater capacity to respond to customers.

Since its origins, West Madrid has been a strategic axis within the Bank, both due to its volume of activity and the diversity and relevance of its customer base. Its development has been linked to the consolidation of a model based on specialisation, service quality, and deep knowledge of the local environment.

The creation of this territorial unit was driven by key factors such as the Bank’s sustained growth, the need to bring decision-making closer to the customer, and the desirability of avoiding excessive business concentration in a single organisation, while at the same time fostering greater competitiveness among territorial units.

In this initial stage, notable figures include Ramón Doval and, in particular, Juan Villasante, who played a pivotal role in consolidating and developing the Organisation throughout its various stages.

The Organisation is currently led by Joaquín Calvo-Sotelo, who has held the position since 2026.

Evolution
and changes

Over time, West Madrid has evolved from a more centralised model towards a highly specialised and segmented structure, adapting to changes in the environment and the development of new businesses within the Bank.

Organisation Managers

Ramón Doval (2004–2006).
Juan Villasante (2006–2010).
Alfonso Alfaro (2011–2012).
Juan Villasante (2013–2018).
Nacho Lozano (2019–2024).
Marta Centeno (2024–2025).
Joaquín Calvo-Sotelo (2026–present).

One of the most significant changes has been the change of the business model towards greater specialisation, especially in Private Banking, Corporate & SME Banking and Large-corporate Banking. The creation of the commercial department for Corporates in 2015 marked a turning point, integrating the former SME centres and strengthening this segment as one of the pillars of the Organisation.

Featured milestones

Opening and development of the SME Centres since the creation of the Organisation.
Management of the financial crisis of 2008.
Transformation and leadership in Private Banking (since 2012).
Creation of the Corporate segment (2015).
Development of Large-Corporate Banking and Investment Banking (2017).

The Organisation has stood out for its ability for agile adaptation to market changes, as well as its ability to identify opportunities, and stay ahead of its competitors in the development of new business.

Current
strengths

The main strengths of West Madrid are based on the quality of its teams, its high level of specialisation, and its positioning in key business segments.

One of its main assets is its team, made up of highly qualified professionals with a strong customer orientation and a culture based on high standards and quality of service. This combination has allowed us to consolidate a solid and high-value customer base, especially in the Wealth Management and corporate segments.

The Organisation is particularly relevant in its leadership in Wealth Management, where it holds a prominent position within the Bank, as well as by its standing in the agency network, in which it is clearly a leading example.

Highly professional teams.
Genuine closeness to the customer and capacity to foster loyalty.
A culture of high standards and quality.
Leadership in Wealth Management.
Prominent position in the agency network.
High productivity and recurrence in business of value.

Moreover, coordination between branches, specialised centres, and the agency network represents one of the Organisation’s distinguishing features, facilitating the generation of synergies and providing comprehensive customer service.

Key data

Total centres
Branches
0
Business centres
0
Wealth Management centres
0
Corporate Centre
0
Agency network centres
0

  

Employees
0
approximately
Active customers
0

Future
outlook

West Madrid faces the coming years with the challenge of maintaining its growth in an increasingly competitive environment marked by technological transformation.

The focus will be on continuing to develop the highest-value segments, strengthening team specialisation, and capitalising on the opportunities offered by digitalisation and artificial intelligence to improve efficiency and customer experience.

 

Challenges and strategic priorities

Integration of artificial intelligence into daily operations.
Identification of new business niches.
Increase in market share in corporates.
Attraction and retention of young talent.
Continuous improvement of the customer relationship model.

In the next 5-10 years

A more digital, highly specialised and agile organisation, with teams prepared to serve an increasingly informed customer, while at the same time maintaining Bankinter’s unique values.
Future outlook

West Madrid has been and will continue to be a key pillar in Bankinter's growth. Thanks to the commitment of its teams and the confidence of its customers, the Organisation faces the future with the same ambition, proximity, and high standards that have defined its track record, making a decisive contribution to the Bank’s success in the coming years.

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