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Bankia takes the view that its banking activity has a direct but very limited impact on the environment. However, the bank does exert a highly significant influence through its lending decisions and its customers’ productive activities.
As a result, the environmental risk posed by said productive activity could be passed on to the bank in two forms: credit risk and reputational risk.
Bankia manages environmental risk using a scorecard to rate the environmental performance of its business customers, providing qualitative information that complements credit ratings.
62% of exposure and 75% of borrowers or customers were classified as posing low or very low environmental risk.
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