Wealth and Retail Banking
A profitable growth strategy focused on value-added customers and products
Bankinter's Wealth and Retail Banking business, which encompasses the business with individuals, once again demonstrated a solid and balanced performance in 2025. Pre-tax profit (PBT) was over 751 million euros (+0.4%).
In an environment of falling interest rates, the strong growth achieved in the marketing of higher value-added products, such as investment funds, equities and insurance, eased the pressure on net interest income and supported the performance of gross operating income, which rose by 4%.
Net investment funds raised reached 4,978 million euros, marking a record year for Bankinter Asset Management. Likewise, investment in equity grew by more than 7,700 million euros and the insurance business marked a sound performance, with a volume of premiums marketed/intermediated of close to 120 million euros (+7%), while consumer lending saw more than 1,100 million euros raised in personal loans. Retail Banking recorded strong growth in customers and engagement, while the Wealth Management area honed its focus on the higher value-added advisory business, with assets under management of 84,000 million euros.
Driven by an outstanding value proposition
The performance of Wealth and Retail Banking in 2025 is a reflection of our customers' trust and the result of a strategy based on a professional advisory service and personalised attention.
This model relies on effective complementarity between the digital business and the branch network, which reinforce each other.
A strategy validated by the results achieved
Service quality is perceived positively by customers, as reflected in the satisfaction indicators, which also confirm the robustness of the service model.
Bankinter Global NPS
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The successful integration of EVO Banco and the creation of the Digital Organisation are the most relevant strategic milestones reached in the year.