Businesses in Spain
Large Corporate Banking
In an environment marked by sharp declines in interest rates, the area maintained a solid performance, supported by commercial activity, a dynamic international business and good risk performance. The Large Corporate Banking area posted record fees of 134 million euros (+2.62%) and loans increased to 17,750 million euros (+6.6%).
Lending growth in 2025
+€0 M
Mid-corporate Banking
In 2025, this segment continued to grow, ending the year with an increase of 420 million euros (+4.9%) in the loan book, which stood at 8,848 million euros. Furthermore, the fees target of 114 million euros set for 2025 was achieved (+5.8%), which partially offset the deterioration in net interest income caused by falling interest rates. Total funds stood at 8,097 million euros and deposits were 7,173 million euros, reflecting more efficient balance sheet management.
Active customers
0
+2.8% vs 2024
Total loans 2025
€0 M
+4.9% vs 2024
SMEs
Strong commercial activity in 2025 with the addition of more than 15,000 new corporate customers, a record figure that confirms the appeal of Bankinter's value proposition and its ability to attract quality business in a highly competitive environment. New loan originations exceeded 3,600 million euros and business volumes stood at 6,500 million euros in loans, 6,300 million euros in customer funds and more than 1,000 million euros in intermediation balances, reflecting a balanced and sustainable growth model.
Active customers
0
Total loans
€0 M
+4.6% vs. 2024
New business in 2025
+0
International Banking
International Banking marked a very po- sitive performance, with strong growth in all metrics despite the exacting inter- national environment. Loans increased by 1,187 million euros, with the Cor- porate & SME Banking area accounting for 65% of this growth and driven by international financing operations and a stronger overall position. The increa- se in supply chain finance (+75%) and ECA-backed financing (+93%) stand out, as well as the support for Mid-corporate Banking and SMEs. In this environment, Bankinter Portugal fortified its position one of the leading drivers of business growth.
Growth in investment in 2025
€0 M
Contribution to growth in the Corporate & SME Banking loan book
0%
Retail Banking
1,055,985 active customers (+12.4%), including 265,372 from EVO Banco. Over 213,000 new customers were acquired (+58%), with online channels being established as one of the entity's main points of entry. In the area of advisory services and investment, the bank continued to strengthen its value proposition, with assets in Investment Funds and Pension Funds of over 17,000 million euros (+23%). Overall, total Retail Banking funds amounted to 55,960 million euros. Furthermore, the bank has continued to invest in innovation in the mortgage business with the launch of the Rechargeable Mortgage, which follows the Dual Mortgage product.
Active customers
+0 M
Total funds
€0 M
New customers
+0
+58% vs 2024
Assets held in investment and pension funds
€0 M
Wealth Management
In 2025, the Wealth Management business shored up digitalisation and innovation in customer service, improving operational efficiency and providing a better experience for customers and bankers alike. The Family Office service launched in 2024 was embedded further in 2025, expanding its capabilities as a comprehensive global family wealth consulting service. Investment reached a new all-time high of over 7,000 million euros, while the acquisition of new assets amounted to 2,810 million euros, raising assets under management to 77,201 million euros. Investment fund balances stood at 27,858 million euros (+15.5%) at the year end, reflecting strong growth and customer confidence in Bankinter's management capabilities.
Active customers
+0
Record assets under management
€0 M
New assets acquired
€0 M
Investment fund balances
€0 M
Bankinter Investment
Bankinter Investment ended 2025 in a position of leadership as the largest collective platform for direct alternative investment in Spain and Portugal, consolidating a model of access to private markets and reinforcing its role as a benchmark for investment in the real economy. Progress was made in three key areas:
- Efficient asset rotation
- Focus on delegated management
- Expert advice
Nine years building a unique investment ecosystem
Assets under management
~€0 M
Investor base in Spain and Portugal
+0
customers
+€0 M
investor returns since 2016
Capital Markets
Bankinter has a strong liquidity position. The funds represent more than 105% of the Group's loan book. In 2025, Bankinter went to the institutional market on four occasions, with great success, issuing bonds worth 2,050 million euros. The Treasury area continued to respond to the needs of the bank's customers through the management of currency, fixed income and interest rate derivatives transactions, contributing to the proper functioning of financial and commercial activity. The volume by Bankinter Asset Management exceeded 19,100 million euros as at 31 December, 24% more than at the end of 2024.
Bankinter Asset Management
Bankinter Asset Management ended the year with income of 169 million euros (+16%) and a pre-tax profit of 90 million euros (+12%), which represent historical highs for the asset management unit.
The solid performance of assets under management stands out, supported by strong commercial activity, which stood at almost 3,400 million euros in Spain and Portugal together. In this context, the Bankinter Premium Fixed Income fund held over 4,000 million euros in assets two years after its launch.
Total assets under management
0 M€
+19% vs 2024
Record high
pre-tax profit - PBT
*Includes collective investment vehicles and discretionary management portfolios.
Telephone Banking
This area was established as a strategic channel for comprehensive service, business management and customer acquisition. The high volume of calls managed and the high levels of satisfaction confirm the effectiveness of the service provided in 2025. The Remote Advisers comprehensively managed the assigned portfolios and helped customers navigate the Omnichannel Mortgage and Digital Registration processes, which became entrenched as key acquisition channels. Furthermore, Telephone Banking played a fundamental role in the integration of customers migrating from EVO Banco, which resulted in a significant increase in telephone activity. Satisfaction levels remained high, with 80% of customers expressing satisfaction with the service.
Calls handled in 2025
0 M
Unique customers contacted*
+0
* Customers interacted with by telephone during the year.
Partner Banking
This segment strengthened its position in 2025 supported by the growth in loans and the positive performance in customer acquisition. This trend led to growth in gross operating income to 107 million euros and a higher managed volume, with total funds of 8,171 million euros (+5%) and a loan book of 3,740 million euros (+13.9%).
Active customers
0
+8% vs 2024
Total funds
€0 M
+5% vs 2024
Bankinter Consumer Finance
The strategic integration into the Group progressed. The sale of Avant Money and its subsequent conversion into Bankinter Ireland stands out, and the entity will expand its activity beyond consumer credit. Meanwhile, Universo (the joint venture with Sonae) achieved its first positive results in Portugal. In Spain, the year was marked by record levels of consumer loan production for Bankinter customers. In addition, the Board agreed to begin the full integration of Bankinter Consumer Finance into the bank, reinforcing the strategy in consumer and payment methods, subject to the corresponding regulatory approvals.
Insurance and Pension Plans
In 2025, the integration of the insurance and pension plans businesses of Bankinter and EVO Banco was carried out within the Bankinter Bancassurance Operator, unifying their management and commercial policy. This integration made it possible to gain operational efficiency, strengthen the value proposition for customers and move towards a more coherent and cross- cutting offering in the insurance and pension fields. In addition, the Single Insurance Account was consolidated and, in the area of retirement savings, Bankinter reached almost 4,000 million euros in assets under management in pension plans and EPSVs, reflecting the sustained growth in the confidence of businesses and customers in the Group's social security solutions.
Agent Network
Solid business performance, with gross operating income of 90 million euros (+5.9%). Bankinter's Agent Network, made up of more than 500 professionals who collaborate with the entity to offer a highly specialised financial service, managed total funds of 15,141 million euros in 2025 (+6.6%). The performance of investment funds stands out, with a volume reached of 11,598 million euros (+12.3%), reflecting both the sustained growth in the customer base and an increasingly specialised advisory model focused on providing greater added value.
Investment Products
Investment Funds
The performance of the market had a positive impact on the balances of customers' investment funds. This positive effect, together with strong commercial activity, marking a record high of 5,360 million euros, resulted in a significant increase in the fund portfolio, which grew by 20% to over 43,500 million euros. In this context, income from the investment funds stood at 281 million euros (+16%).
+€0 M
volume of the fund portfolio +20% vs 2024
€0 M
volume of funds raised in 2025
Equity
The deposited portfolio in equities registered growth of 28%, exceeding 38,000 million euros and standing at the highest level achieved to date. This performance was driven by the favourable performance of the markets. Income reached an all-time high of 82.5 million euros (+23%). Key highlights included the contribution from custody and international transactions.
€0 M
deposited portfolio volume
+0%
growth vs 2024
Fixed Income
Activity in fixed income remained stable in 2025 both in terms of the volume of the deposited portfolio and in terms of income. The corporate fixed income and international public debt lines were the largest contributors to these results, along with the issuance of promissory notes and other corporate transactions.
~€0 M
deposited portfolio volume
~€0 M
income
The Bankinter Premium Fixed Income fund exceeded 4,000 million euros, positioning itself as one of the best-selling funds in Spain in 2024 and 2025.
The Broker 0 Service and the improvements in the digital platforms strengthened the value proposition and the competitiveness of the offer.
Quality
This area was established as a strategic channel for comprehensive service, business management and customer acquisition. The volume of calls managed and the high levels of satisfaction confirm the effectiveness of the service provided in 2025. The Remote Advisers comprehensively managed the assigned portfolios and helped customers navigate the Omnichannel Mortgage and Digital Registration processes, which became entrenched as key acquisition channels. Furthermore, Telephone Banking played a fundamental role in the integration of customers migrating from EVO Banco, which resulted in a significant increase in telephone activity. Satisfaction levels remained high, with 80% of customers expressing satisfaction with the service.
We are moving towards excellence
Customer perception
• Aggregate NPS Bankinter (Spain and Portugal): 51.4 points (+8.4 points vs. 2024).
Customer satisfaction
• 61% of customers would recommend Bankinter in Spain (+5.2%).
• 59.2% of customers would recommend Bankinter in Portugal (+16.3%).
Objective quality in the branch network
• Spain (EQUOS RCB): 8.2 out of 10.
• Portugal: 92.5 out of 100.
Bankinter aggregate NPS (Spain and Portugal)
*Data reported for Portugal in 2022 have been updated due to standardisation and integration processes.
Positive performance of customer perception
In 2025, customer perception measured by the NPS (Net Promoter Score) stood at 51.4 (aggregate data for Spain and Portugal), which represents an increase of 8.4% compared with 2024 and accumulated growth of 21.8% over the last four years. In Spain, the NPS was 51.4 (+4.9%) with a 53% improvement in the perceived quality of the branch network offices. In Portugal, the NPS was 51% (+23.5%).
Marketing
In 2025, Bankinter aligned creativity and product with consistent media execution, an outstanding digital experience and sound progress in investment and organic positioning, laying a solid foundation on which to continue building with clear messages, relevant formats and a proposition that connects with the expectations of its customers. The main campaigns included:
Digital Smart Account, the first specific campaign of the Digital Organisation. "An account that only brings you joy," promoting an entirely digital product, with no fees and tangible benefits for the customer.
The Corporate Plan 0 3% Account with no fees and a message aimed at SMEs: "So that your money works as hard as you do".
"This summer's NO STRINGS account" campaign, aimed at new customers and focused on the Digital Account contracted exclusively through the website and the app.
"Date Cuenta (Get Real)" campaign, focused on product. The Salary Account spot, supporting the branch network, particularly stands out.
