The majority of work put into the SME area focused on strengthening our customers’ positions, offering solutions for restructuring their debt, extending terms and new grace periods. Accordingly, novations were arranged for more than 1.1 billion additional euros, in addition to new lines and financing. These measures helped the transactional business to return to pre-pandemic levels and contributed to a net growth of 1.43% in investment.
Revenues from the SMEs area increased 2.66% and the gross operating income reached 184 million euros. The portfolio's credit rating was maintained, with a non-performing loan ratio of 7.5%. For 2022, the challenge will once again be to increase market share and improve margins, boosting the transactional and international activity of our customers.
In 2021, the Bankinter Business Plan was launched, a new product and customer management proposal that encourages global bonding with the entity without paying commissions. The aim of this is to increase the bank’s service level, with an exclusive space for SMEs providing global solutions which go beyond the purely financial sector.
SMEs | |||
---|---|---|---|
2021 | 2020 | % chg | |
Active customers (no. of customers) | 76,599 | 75,013 | +2.1% |
Total customer funds (millions of euros) | 5,868 | 5,384 | +9.0% |
Customer deposits (millions of euros) | 5,355 | 5,105 | +4.9% |
Customer loans (millions of euros) | 6,162 | 6,065 | +1.6% |
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