Corporate Governance
In 2025, Bankinter continued to implement improvements to its corporate governance system with the aim of strengthening transparency, efficiency and accountability within the organisation. These improvements seek to ensure compliance with regulatory requirements and to meet the expectations of stakeholders, maintaining Bankinter's position as a benchmark for good corporate governance.
The Board of Directors
The Annual General Meeting held in 2025 approved the appointment of two new independent external directors, Mr Juan Antonio Zufiría Zataraín and Mr Alfonso Villanueva Rodríguez, both for the statutory term of four years. As a result, the Board of Directors is made up of 12 members, of which seven are women (58%) and five are men (42%), exceeding the gender diversity targets set by Bankinter and national and international recommendations and best practices.
Bankinter remains the only company on the IBEX 35 with two women in its main administration and management roles (Non-executive Chair of the Board of Directors and Chief Executive Officer).
The diversity of knowledge, skills and experience of the Board members, both national and international, allows for an adequate understanding of the business and its main risks, including emerging risks, and guarantees their ability to make independent decisions, with their collective suitability assessed based on objective criteria.
As a result of the changes made to the Board of Directors, a new achieve leadership in digital banking. composition of the committees was agreed. Furthermore, in line with the internal rules and regulations and best practices, the evaluation of the functioning and performance of the Board of Directors, its committees and positions in 2025 was carried out with the support of an independent external firm.
Bankinter will hold its AGM in 2026 exclusively online, a decision aligned with the international best practices of corporate governance and with its digital transformation strategy.
Internal governance of the Group
In 2025, Bankinter reviewed and updated its Corporate Governance Policy, reinforcing a coherent and efficient internal regulatory framework, aligned with applicable legislation and best practices, facilitating the supervisory work of the Board of Directors and the other governing bodies.
In parallel, the Group carried out significant changes in its internal structure, implemented through carefully designed processes. Highlights included the legal and technological integration of EVO Banco into Bankinter, with the incorporation of customers and employees and the migration of services, guaranteeing the continuity and quality of service. AvantCard, the Irish consumer subsidiary, was transformed into a banking branch, expanding its activity to the full range typical of a credit institution. These operations have generated synergies within the Group, simplified governance structures and reinforced direct supervision by the parent company, strengthening the corporate governance system and placing Bankinter in a strong position to boost its retail commercial banking activity and move forward with its goal to Distribution by category of dire achieve leadership in digital banking.
