Sector in figures

Indicators that define the dimension and structure of the sector

The functional and banking sector represented by CECA plays a key role in the economy and social cohesion. Through these indicators, we present a clear and updated view of its dimension, structure, and contribution to economic and social development in Spain. Transparency, stability, and commitment are the pillars that reflect these data (referring to December 2025).

Sectorin figures

Soundness Financial

Profitability (ROE)

13.5 %

Solvency (CET 1)

13.9 %

Efficiency

42.2 %

NPL Ratio

2.3 %

Employment and Governance

60.733 Employees

56% women

Contribution to Growth

Credit Retail 407.515 M€ 35% Financial System Share

Credit Housing 219.284 M€ 43% Financial System Share

Deposits Retail 555.045 M€ 38% Financial System Share

Financing Sustainable 91.000 M€* Total Financial System

Banking Digital

71% Users Digital Banking

15% Users Over 65

25Millions Users

1.228Millions Operations

Total Financial System

Satisfaction Payment Apps

4.8 Google Play

4.7 App Store

Reach of the Network

Number Branches 7.260 42% Financial System Share

Number ATMs 16.875 39% Financial System Share

99.3%* Population with access to in-person banking
Total Financial System

Operations of daily life

Benefits and pensions channelled

7 Millions / Month*

70%* Financial System Share

Intermediated operations Gov.

412 Millions / Year*

40%* Financial System Share

*Data refers to 2024