Ibercaja aspires to exceed 15,000 million in business volume in business banking with a market share of 2%

Ibercaja consolidates its commitment to gain positions in business banking and aspires to grow between 1,000 and 1,500 million in credit balance during 2026, in such a way that exceeds 30% of the weight in loans to clients on the bank’s total assets. The niche has become a key segment at the group level, which has already crossed the halfway point of its strategic plan ‘Now Ibercaja’ (2024-2026) and they expect the volume of business activity closes at 15,000 millionwith a market share close to 2%.

The Aragonese entity makes these projections after adding five consecutive years of increased market share, with an advance of two basis points during the last twelve months, going from 1.77% to 1.79%. Since 2021, this indicator has improved by half a percentage point. At the current time, credit to companies represents 26% of Ibercaja’s balance sheetreaching 30% if financing to promoters is included, as detailed by Cristina Mateo, director of Business Development for companies.

The expectation It happens because this niche represents more than 28% At the end of this year, close to the objective of being between 30 and 35% in the next three or four years. In 2021, the figure reached 19%. The commitment to this type of clients is part of its focus on diversifying its balance sheet and improving profitability. Until September, there have been 4,000 new registrations in companies, with an activity volume of 500 million. Together, they have a total of 85,000 users, a figure that is expected to reach 90,000 by the end of next year.

The bulk of them are concentrated in SMEs and businesses, which concentrate nine out of ten clients and contribute two thirds of the business. Regarding corporate banking and large companies experience an upward trend of 13% in year-on-year comparison, driven by specialized advice. “The evolution of the activity has occurred while maintaining risk levels under control, thanks to prudent management and a early warning monitoring model“, says Mateo.

During the presentation of this balance, Ibercaja has highlighted the reduction in bad debts by 29 basis points in the last twelve months, to 2.48%, rate that doubles the general rate, 1.4%. “The figures are a reflection that after five years of strategic focus, at Ibercaja we are managing to be a relevant and recognizable bank in the market for companies. We already support 60% of the Ibex 35 companies,” says Toño Ruiz, head of Business Banking Commercial Strategy.

When asked about concerns about the possible cockroach crisis, the director of business banking at Ibercaja, Teresa Fernandez, He explained that some companies have requested restructuring, given that they went into debt when interest rates were at their highest point, at 4.5%. “It is logical that some businesses are restructured,” he noted.