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BankiaFAQs

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Introduction to Bankia Expand all
  • What is Bankia?
    Bankia is a financial group with a presence throughout Spain and a strong position in the market for loans and deposits. For more information, see who we are.
  • Bankia, a sustainable bank
    Integrity, professionalism, closeness to customers, commitment and achievement orientation: these are the values that underpin Bankia’s Responsible Management commitment ( more information).
  • Ethical commitment and corporate governance
    Bankia aligns itself with Spanish and international best practices. For full details, see Corporate Governance.
  • Who are Bankia’s shareholders?
    For up-to-date information on the main shareholders and their profile, see Shareholder Structure 
  • What is the relationship between Bankia and BFA?
    BFA Tenedora de Acciones, S.A.U. is Bankia’s main shareholder, holding 64.23% of the share capital at December 2015. BFA is 100% controlled by the FROB (Fund for Orderly Bank Restructuring).
  • Key financials
    For a summary of key financial information about Bankia, see Key figures.
Bankia's strategy and goals Expand all
  • What is Bankia’s Strategic Plan? Is Bankia complying with its Strategic Plan?

    A strategic plan provides a road map which a company or entity intents to follow in the medium term in order to achieve certain goals. It reflects the guidelines, instructions and behaviour the Bank must follow in order to obtain certain predefined results.

    In Bankia’s case, the Restructuring Plan, which was approved by the European and Spanish authorities in November 2012, specified the measures that would enable the BFA-Bankia Group to re-establish itself as a financially sound and solvent institution. This plan was the basis for the creation of a Strategic Plan covering the period 2012-2015.

    The main focus of the Strategic Plan is on improving profitability through four main lines of action: strengthening the competitive positioning, rebalancing the balance sheet, improving efficiency and reducing the risk premium. The plan sets a target of a return on equity (ROE) of 10% in 2015. In December 2014 the Bank reached a ROE of 8.6%*, on track to meet the goal of 10% in 2015.

    Read about the Strategic Plan 2012-2015 and the progress achieved by Bankia.

    To follow the implementation of Bankia’s Strategic Plan and the accomplishment of the plan’s objectives, go to http://trabajamosdesdelosprincipios.bankia.com/principios/es/plan-estrategico/ (in Spanish only)

    * excluding the extraordinary provision for litigation relating to the Bank’s IPO.  

  • When and how will Bankia pay back the aid it has received?

    No date has been set, but the Bankia team’s mission is to maximise the return to shareholders, specifically in order to add value to the investment made by all of the Bank’s shareholders, including the State.

    On 28 February 2014, only nine months after receiving state aid, BFA completed the sale of 7.5% of its shares in Bankia, generating proceeds of 1,304 million euros, with which it could start to repay the state aid it has received.

    On 7 July 2015, Bankia announced its first ever dividend, to be paid out of profit for 2014. Because BFA is a shareholder, Bankia has thus returned an additional 128.6 million euros to taxpayers. Repayment of aid (in Spanish only).

    The decision as to the disposal of the Government’s investment in Bankia is to be made by the FROB.

Financial information Expand all
  • Where I can find financial information about Bankia?
    Reports, webcasts and Excel spreadsheets with all the published information are available at the following link: financial information.
  • When does Bankia publish its results?
    Bankia publishes its results at quarterly intervals. As soon as the quarterly earnings release dates are approved, they are published in the Investor’s Calendar. The Investor’s Calendar also provides a link to the live webcast of the results presentation.
  • What do analysts say about Bankia?
    In the equity analysts section you will find a list of the main analysts who monitor and publish recommendations on the Bankia share.
  • What is Bankia’s dividend policy?

    The decision to approve the total dividend to be paid out of profit for a given year belongs to the General Meeting of Shareholders.

    The General Meeting of Bankia Shareholders held in Valencia on 15 March 2016 approved the payment of a cash dividend of 2.625 euro cents per share out of profit for 2015, 50% more than the amount paid out of profit for 2014.

    This is the second dividend payment in Bankia’s history, marking an important milestone step in the Bank’s return to normal operations.

    The relevant bodies will pass the necessary resolutions to put the dividend policy into effect.

    Full details in Dividends.

Bankia's credit rating Expand all
  • What is a credit rating and what is it for?

    A credit rating is a classification of a company or a country’s ability to meet its obligations, that is to say, its ability to pay.

    A company or a country is usually assigned a rating by a specialised company, known as a credit rating agency, which assesses the value of the company or country’s debt, based on its ability to pay at different maturities, its financial strength and its vulnerability to external risks that are likely to affect its future income flows or the value of its assets.

  • What is Bankia’s rating?
    Bankia has been assigned credit ratings by Standard & Poor’s and Fitch Ratings. See Bankia’s ratings.
The Bankia share Expand all
  • Where can I consult the share price?
    Information about the Bankia share price.
  • How is the share price expected to evolve?
    Share prices vary, so the future value of the share is impossible to predict. The quoted price of the shares is subject to market fluctuations, under the influence of the environment in which the financial markets operate.
  • On what stock exchanges is the Bankia share listed?
    The Bankia share is listed on the four Spanish stock exchanges (Madrid, Barcelona, Bilbao and Valencia) through the Spanish stock market interconnection system (SIBE), commonly referred to as the Continuous Market. Since 23 December 2013 Bankia has been included in the Ibex 35 index.
  • What is the total amount of Bankia’s capital stock?
    See the changes in Bankia’s Share capital.
General Meeting of Shareholders Expand all
  • Date of the General Meeting of Shareholders
    Under applicable laws and regulations and the General Meeting Regulations, the Annual General Meeting (AGM) must be convened and held within the first six months of each year. The date of the AGM must be published sufficiently in advance, and not less than one month before the meeting, in the corporate web portal www.bankia.com . The General Meeting must also be convened by an advertisement placed in the Official Gazette of the Mercantile Register and the CNMV.
  • Where can I find information about previous years’ General Meetings?
    Full information and documentation relating to the General Meetings of Shareholders held by Bankia is available at this link.
  • FAQs about the General Meeting of Shareholders
Tax Expand all
  • How are dividends taxed?

    Dividends (“Common Territory”)*

    • Tax status

      For Spanish personal income tax (IRPF) purposes, dividends are considered investment income, i.e., income arising from investments in the equity of corporations. From 12 July 2015, tax on investment income is deducted at source at the rate of 19.5% (previously 20%); and from 1 January 2016 at the rate of 19%.

      Net investment income is calculated deducting only the costs of administration and custody of the shares, not including any costs arising from individualised discretionary portfolio management, which are not considered administration and custody costs.

    • Taxation
      Dividends are part of the gross investment income tax base for IRPF, which in 2015 and 2016 will be taxed according to the following scale:

         2015
      (RDL 9/2015)
       2016
         Rate  Rate
       Up to 6,000  19.5%  19%
       From 6,000.01 to 50,000  21.5%  21%
       More than 50,000  23.5%  23%

      * The Basque Country, Navarra, the Canary Islands and the autonomous cities of Ceuta and Melilla all have their own special tax regimes; the rest of Spain is known as the “Common Territory”.

    Dividends (Basque Country)

    • Tax status
      In the Basque Country, the tax treatment of dividends is the same as in the “Common Territory”, except that there are no deductible expenses. From 12 July 2015, tax on investment income is deducted at source at the rate of 19.5% (previously 20%); and from 1 January 2016 at the rate of 19%.
      Additionally, income up to the limit of 1,500 euros per year will be tax-exempt. This exemption will not apply to dividends and profits distributed by collective investment undertakings or dividends and profits arising from securities or equity investments acquired within the two months prior to the date of distribution where, within two months after said date, there is a transfer of homogeneous securities. In the case of securities or equity investments that are not admitted to trading on an official secondary securities market, the time limit will be one year.
    • Taxation
      Dividends are part of the gross investment income tax base for IRPF, which in 2015 will be taxed according to the following scale:
         2015
         Rate
       Up to 2,500  20%
       From 2,500.01 to 10,000  21%
       From 10,000.01 to 15,000  22%
       From 15,000.01 to 30,000  23%
       More than 30,000  25%

    Dividends (Navarra)

    • Tax status
      For Spanish personal income tax (IRPF) purposes, dividends are considered investment income, i.e., income arising from investments in the equity of corporations. Investment income is taxed at source at the rate of 20%. Net investment income is calculated deducting only the costs of administration and custody of the shares, and does not include any costs arising from individualised discretionary portfolio management, which are not considered administration and custody costs. Said deduction is limited to 3% of total non-exempt income from the shares.
    • Taxation
      Dividends are part of the gross investment income tax base for IRPF, which in 2015 and 2016 will be taxed according to the following scale:
         2015
         Rate
       Up to 6,000  19%
       From 6,0000.01 to 18,000  21%
       More than 18,000  23%
Other relevant information Expand all
  • Advantages of being a shareholder
  • Where can I buy Bankia shares?
    At any of our branches or through the Oficina Telefónica or the Internet Branch. You may also place an order for shares at any bank where your investments are held, as it is not necessary to be a customer of Bankia to become a Bankia shareholder.
  • What costs are involved in buying Bankia shares?
    The usual costs in share purchases are: bank fee, brokerage (expenses of the broker-dealer that carries out the purchase) and stock exchange fees. Details of these costs and an information sheet showing the maximum fees for securities market transactions and services are available from your local branch. Alternatively, this information is also available from the Oficina Telefónica and the Shareholder’s Office.
  • How will my shares be transferred from another depositary to Bankia?
    You must have a brokerage account at Bankia and provide an up-to-date brokerage account statement from the bank of origin of the transfer to the Bankia branch of your choice, which will submit an official request for the securities to the bank of origin. More information.
  • What is a material disclosure?

    Every publicly traded company is required to disclose any item of information that may reasonably be expected to influence an investor’s decision to acquire or transfer shares of the company and so may materially influence the market price of the company’s shares: earnings, strategic plans, objectives, credit ratings, debt issuances, resolutions of governing bodies, changes in the composition of the governing bodies or in organisational structure.

    All of Bankia’s material disclosures can be consulted in the Shareholders and Investors section of the corporate web portal.

  • Receive periodic information about Bankia
    The best way to stay informed about all matters of interest to Bankia shareholders and investors is to subscribe to the Newsletter.
  • What services and information are available from the Shareholder’s Office?
    The Shareholder’s Office is a direct communication service, open to all shareholders. Shareholders can apply to the Shareholders’ Office to obtain information about the Group and the Bankia share, learn about the benefits of being a Bankia shareholder, obtain answers to their questions and receive a response to their suggestions.
  • Shareholder’s Office contact details

    Telephone: 902 10 7575
    If calling from outside Spain: +34 91 787 7575
    The telephone lines are open: Monday to Friday, from 8:00 to 22:00

    Email: accionista@bankia.com
    Fax: +34 91 791 1600
    All contacts at this link.

  • What is Bankia’s policy on communication with its shareholders?

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