Branch network

The financial crisis has driven banks towards a conversion that is not yet complete, and which is still resulting in branch closings and personnel reductions. Bankinter has had no need to reduce its branch network, owing to the rigour of its business processes. The bank's branches are particularly efficient and focused on meeting commercial targets through the use of the most innovative digital tools.

These tools are relatively easy to implement because Bankinter is present, above all, in towns with more than 100,000 inhabitants, and focused on customers with an urban profile and a medium-high technology culture. Further, they also relieve the branches of the burden of work relating to simple operations, and allow staff to focus on work that adds value to the bank and to the customer.

Personalised customer service

Functions that create value include personalised customer service, which is performed in accordance with a code of good practices, the application of which is periodically supervised by quality audits. This is how the strong points and areas for improvement in the branch network are identified, and the bank acts accordingly, always with a view to providing the best possible service.

At the end of 2016 Bankinter had 364 Universal Offices, 72 Business Centres, 47 Private Banking Centres and 22 Corporate Banking Centres. The Universal Offices are dedicated to individuals, Personal Banking customers and small companies. The Business Centres are dedicated to medium-sized companies and Private Banking centres are devoted to asset management and personal investments, while Corporate Banking Centres are dedicated to companies with more than 50 million euros in annual revenues.

The objective for 2017 is for the offices to be progressively more complete digital business centres, except with respect to personal service, offering competitive products and services and attended by the best prepared professionals in the sector. This is a true leap forward, which matches Bankinter's innovative character and its commitment to quality.