The financing and activity of Grupo Cajamar generate an economic impact of 13,381 million euros and 196,633 jobs

The impact on income grows by 6.3% compared to the previous year and the employment generated increases by 5.8%, driven by the greater volume of financing granted to companies and families.

The report Economic Impact of the Cajamar Cooperative Group. 2025, prepared by the Valencian Institute of Economic Research (Ivie) and coordinated by Joaquín Maudos, Professor of Economic Analysis at the University of Valencia, shows that the Cajamar Cooperative Group's activities generate economic impacts on income amounting to €13.381 billion (0.80% of Spain's GDP) and 196,633 jobs (0.94% of employment in the Spanish economy). These impacts stem from both the group's own operating expenses and the financing it provides to businesses and households, resulting in increased consumption and investment. Compared to 2024, the impact on income has grown by 6.3%, and the number of jobs created has increased by 5.8%.

In detail, the Cajamar cooperative bank, through its operating expenses, generated a gross added value of €1.274 billion and 12,981 jobs. Meanwhile, the financing granted in 2025 through loans and credits to businesses and households (€14.634 billion, 2.5% of total financing granted in Spain) impacted the Spanish economy by €12.108 billion in income and 183,652 jobs.

Compared to 2024, the impact on income from the financing granted has grown by 7.4%, and the associated employment by 6.8%, in a context of higher credit volume despite the reduction in bank margins due to the drop in the Euribor, which fell from an annual average of 3.274% in 2024 to 2.223% in 2025.

All of this means that for every euro of the Group's operating expenses, 1.6 euros of income are generated, and for every million euros of operating expenses, 16 jobs are supported. In the case of loans granted, for every euro loaned to the private sector, 1 euro of income is generated, while for every million euros of loans, 12.5 jobs are created.

In addition, there are direct and indirect contributions to public coffers through taxes and social security contributions, totaling 6.131 billion euros, of which 438 million euros come from the Group's own activity and 5.693 billion euros from the tax impact of financing granted to businesses and households. Compared to 2024, the aggregate tax return grows by 3.2%, driven mainly by the 3.7% increase in the impact derived from financing granted.

By autonomous communities, the Valencian Community, Andalusia and the Region of Murcia concentrate more than two-thirds of the total impact (69.4%) of Grupo Cajamar, in line with the territorial distribution of the Group's business volume, present in all Spanish provinces through its 952 offices and rural branches.