Strategic Plan 2012-2015Goirigolzarri: “We have a bank that is financially sound and we are going to focus on making it profitable because that is the best way to reward our shareholders and ensure that taxpayers recover their investment.”
Framework agreementThe Framework Agreement between Banco Financiero y de Ahorros, S.A. and Bankia, S.A. was signed on 22 June 2011 to regulate the relations between BFA and the companies in its group.
BylawsThe articles that govern the internal functioning of the company Bankia, S.A., from the rights and obligations of shareholders to the functions of the Board of Directors.
Board of Directors RegulationsSet of rules that establish the principles guiding the actions of the Board of Directors of Bankia, the basic norms for how the Board functions and rules of conduct for its members.
General Meeting RegulationsThese regulations lay down the basic principles governing Bankia General Meetings, as well as the rules of procedure for calling and holding the meetings.
Shareholders' agreementsThe execution, renewal or amendment of agreements between shareholders must be immediately notified to the company and to the Spanish securities regulator (CNMV), which will publish it as a material disclosure.
Anti-money launderingBankia S.A. has approved a policy for the prevention of money laundering and terrorist financing that establishes internal rules and procedures in line with the international standard on these matters.
USA Patriot ActThe USA Patriot Act certificate is required of foreign banks that maintain correspondent accounts with US financial institutions.
Code of Ethics and ConductBankia Group employees are bound by a code of conduct grounded in the general principles of acting honestly, impartially and professionally and in the best interest of the customers when performing their management duties.
Financial reportsAnnual reports and quarterly reports and public reporting to other regulators.
Annual banking reportThe Annual Banking Report meets the disclosure requirements of article 87 and of the Twelfth Transitional Provision of Law 10/2014 of 26 June 2014 on regulation, supervision and solvency of credit institutions
Equity analystsThe top equity analysts who follow and publish recommendations on Bankia's shares.
Significant holdings and treasury sharesSignificant holdings in the share capital of Bankia, significant equity interests held by Bankia in other publicly traded companies and own shares held as treasury stock.
Corporate IntegrityThe Code lays down the values that the Bankia Group must follow in its relations with employees, customers, suppliers and society as a whole.
Business ModelMore business, greater commercial capacity, higher productivity per employee, more lending, fewer recurring doubtful assets and lower costs. All these factors have combined to generate higher than expected profits and boosted the market's confidence in Bankia.
SMEs, Retailers & Self-Employed CustomersBankia is determined to increase new lending. Lending is the fundamental means of obtaining revenues and improving profitability and hence indispensable for a bank.
Dialogue with stakeholdersA fundamental requirement in the process of constantly improving the Bank is to listen to its stakeholders. This attentive listening is giving rise to many initiatives.
CustomersBankia has created a new commercial model to provide customers with more efficient, higher quality service. Better products and personalised solutions, with clear and transparent information suited to the different needs of different customers.
EmployeesNurturing the talent of staff forms the backbone of the bank’s people management policy. Training and a focus on performance are some of the ways this goal is achieved.
Shareholders and investorsIn its commitment to listen to the main stakeholders, Bankia pays special attention to the concerns and needs of its shareholders.
SocietyBankia carries on a sponsorship and social action policy designed to strengthen the three basic pillars on which relations between the Bank and society rest: commitment, closeness and focus on achievement.
Environmental managementBankia sees measuring the environmental footprint of its activity as fundamental, and works proactively to mitigate any such effects. It focuses efforts on the environmental management of its work centres, boosting eco-efficiency in the use of natural resources, supporting the fight against climate change, and fostering environmentally responsible attitudes among staff, suppliers and customers.