Corporate banking

Corporate banking

One of the bank's main pillars

Despite is activities being undertaken in a complex environment, the Corporate banking business, which serves companies with annual billing of more than €50 million, remains one of the main pillars in Bankinter's income statement in 2018.

The presence of factors of instability, with the threat that they pose to growth; the difficulty in term investment transactions, due to the increase in risk profiles and the increase in competition, did not prevent Corporate Banking from contributing €260.6 million to the Bank's gross operating income last year, and €211 million in pre-tax profit.

Corporate banking (*) Affects depreciation financing supplier payment (Treasury) in November 2018, to the sum of €912 million, segregating this transaction, the December 2018 vs December 2017 variation is +0.06%.

One of the most important figures last year was the 14.1% increase in new production, which came to €5,086 million, attributable, in large part, to the specialisation strategy embarked upon in 2015 with a view to managers having a better understanding of companies and being in a position to offer them a service that is increasingly tailormade to their needs.


In 2018, the specialisation strategy resulted in the opening of two new Corporate Banking centres, one in Madrid East and one in Madrid West, in addition to the 22 that were open at year-end 2017; of these, three are dedicated to companies with annual income of more than one billion euros.

More than 160 professionals work at the Corporate Banking centres; they are experts in different economic sectors and their main challenge is to guarantee an appropriate balance between return and risk. Thanks to their efforts, Bankinter's investment in this segment at 31 December came to €11.564 million, commission revenue grew by 7.0% and the customer recommendation rate increased to 55%, ten points higher than the previous year.

Amongst the objective for 2019 are: maintaining margins; harnessing the expected increase in asset price; focussing activities on new opportunities offered by Investment Banking; increasing transactional banking in working capital to achieve higher commissions; increasing selffinancing in dollars, which will reduce the cost of transactions in this currency; and, implementing the ‘Portfolio Management’ project throughout the Network.

This project defines customer categories based on their billing (€50 to €100 million, €100 to €350 million, €350 million to €1,000 million, and more than €1,000 million) and will contribute to improving the bank's value proposition and identifying niches with growth potential, in addition to other aspects.

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