Risk Management
In 2025, Bankinter continued to follow a prudent and disciplined management path, aligned with its risk appetite framework, in a complex global environment. This management allowed the bank to combine organic growth with profitability, preserving a moderate risk profile and the financial stability of the Group. The risk management model, whose supervision corresponds to the Board of Directors, is aligned with international regulatory standards and best practices. The continued application of this model has proved to be effective for anticipating and managing the main risks faced by the entity.
Credit risk
High asset quality was maintained, with credit growth and improved indicators. The non-performing loan ratio fell to 1.94%, which is below the sector average. The risk related to underperforming loans and doubtful loans also decreased, and both provisions and foreclosed assets were reduced.
Structural and market risk
Interest rate risk was actively managed, with net interest income sensitivity of +2.5% to increases and -3.6% to decreases of +/- 100 basis points and a limited impact on the economic value (+0.5% / -1.4% of own funds). The liquidity position was very comfortable, with an LCR ratio of 181.16% and customer funds exceeding lending (ratio of 105.5%). Market risk remained contained, with stable VaR limits and reduced exposure.
Technological risk
Digital security continues to be a strategic pillar for mitigating technological risks, ensuring operational stability and preserving customer trust. In 2025, highlights included the positive performance of Bankinter's model, which has strengthened its capabilities to prevent and respond to technology fraud.
Positive performance of Bankinter's anti-fraud model to combat this technological risk:
• 16% reduction in exposure to technology and card fraud vs 2024.
• The fraud loss reduction rate increased by 6%, both for technology fraud and scams.
• Promoting awareness campaigns and digital alerts in response to the increase in traditional and commercial scams.
• Improving the Fraud Prevention Service, operational 24 hours a day, 7 days a week.
Operational risk
A preventive and decentralised management model was applied, adapted to the new European regulatory framework from 2025 onwards, entailing a periodic review of the main risks, participation in sector forums and use of insurance as a complementary mitigation measure.
Reputational risk
Management was based on prevention and proactive control, supported by continuous measurement of stakeholder perception, active listening to gauge trends in the environment, prior assessment of reputational impacts, updated risk maps – including those derived from climate and environmental factors – and crisis management protocols, reinforcing trust and business sustainability.