The bank reports a profit of 902.4 million euros and an ROE of 15.1% in 2025, which results in the bank combining efficient business growth and strict balance management.
The CET1 indicator is at the level of 14.1%, at the target level of 13% and at a lower capitalization rate of 2.1% and reaches half of 2.5%.
“This exercise confirms our ability to generate recurring revenue through the business model,” the bank said, highlighting a 6.1% growth in business volume – up to €136 million – and a share price as high as no financing as a service loan. In the thermos market, ABANCA has a share of 3.3% in Spain and 3.2% in Portugal.
The operating balance revived business momentum, with loans to customers totaling €52,939 million and normal loans up 7.7%. New credit formalizations for individuals and businesses will exceed seven million euros by the end of 2024 and total assets will reach 83,339 million euros, with retail deposits representing 94% of all deposits.
Services revenue to grow 13.5% due to security, banking and off-balance sheet management. As integration synergies and efficiency gains continue to reduce operating costs, they reduce the year-end efficiency ratio to 50.8%.
In terms of solvency and liquidity, the total capital ratio was set at 18.9% and the MREL at 24.3%. The bank benefits from the ECB’s authorization to apply IRB models to large retail banking in Spain, which has a positive impact on our capital markets. Active liquids total EUR 23,294 million and HQLA EUR 15,418 million.
The bank is aiming for strong customer intake – 160,000 new customers by 2025, with Portugal representing 16% of business volume – and the success of the EuroBic integration.
For 2026, we are maintaining the Strategic Plan 2025-2027 with priorities focused on diversified growth, proximity to customers and effective transformation with a focus on sustainability and innovation.
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