Banco Caminos, S.A.

Banco Caminos, S.A. is a Spanish credit institution headquartered in Madrid and integrated into Grupo Caminos together with Bancofar, operating under the Single Supervisory Mechanism as a less significant institution supervised by Banco de España with European Central Bank oversight, and belonging to Spain’s Deposit Guarantee Fund (Fondo de Garantía de Depósitos), which protects eligible deposits up to €100,000 per depositor. The bank targets liberal professionals, their businesses, and related sectors—historically including civil engineers and pharmacies via Bancofar—and offers standard retail and private banking services: current and savings accounts, time deposits, domestic and SEPA transfers, debit and credit cards, and remote channels through online and mobile banking. Its lending products cover personal loans, mortgages typically referenced to Euribor, and specialized financing for professional practices and pharmacy acquisition or working capital. On the investment side, it distributes mutual funds and pension plans, provides discretionary portfolio management and brokerage through entities registered with the CNMV, and intermediates life and non-life insurance as a broker. Branch presence is limited and concentrated in major urban areas, with most routine operations handled remotely. Fees, interest, and eligibility conditions depend on customer profile and are set out in schedules filed with Banco de España and in precontractual documentation; standard EU rules on consumer credit, payments, MiFID II investor protection, PSD2 strong customer authentication, and 3-D Secure for card transactions apply. Accounts use Spanish IBANs and support cross-border transfers via SEPA and SWIFT.