Newsletter #9 - 2016 Annual Earnings Results
BKIA Share

Bankia - Shareholders and investors

Bankia posts attributable profit of €804 million in 2016
It recommends a 5% increase in the dividend payment to shareholders
  • Attributable profit stands at 804 million euros, with major advances in the commercial strategy, a strong capital position and further improvements in costs and risk management. This result allows Bankia to propose an increase in the dividend by 5% compared with 2015.
  • The number of customers with direct income deposit is up by 172,300 year-on-year and the number of new credit cards issued increases 3.5 times compared to 2015.
  • Dynamism in new customer funds. Customer funds are up 2.5% year-on-year, with particularly strong performance in mutual funds (+8.2%), demand accounts (+20.4%) and savings accounts (+13%). The Group has strengthened its market share in mutual funds, which stands at 5.53% at the end of 2016 (+9 bps vs. 2015).
  • Significant progress in the multi-channel strategy. At year-end 2016, multi-channel customers make up 37.6% of the total, compared to 31.5% at the end of 2015. The volume of customers managed through the digital banking service “Connect with your expert” reaches 300.000 customers, almost tripling the previous year’s figure.
  • The gross inflow of NPLs is down 36.4% year-on-year and the stock of NPLs is down 11.7%, maintaining a high NPL coverage ratio, which ends the year at 55.1%, including the impact of the change in estimates introduced by Anejo IX of Bank of Spain Circular4/2016.
  • This NPLs performance has lowered the Group’s NPL ratio by 100 bps compared with 2015, and stands at 9.8% at year end 2016.
  • The Bankia Group maintains a solid capital position, thanks to its ability to generate capital organically. At the end of 2016 the Group has a Phase In CET1 ratio of 14.70% (+81 bps vs 2015) and a Fully Loaded CET1 ratio (not including unrealised gains on the available-for-sale sovereign portfolio) of 13.02% (+76 bps vs Dec. 2015).
Access 2016 Annual Report / View 2016 Results Infographic
News
Bankia launches express procedure in its branches to deal with floor clause refunds
30 January 2017
Bankia announced today the launch of an express procedure at its branches so that consumers that have taken out mortgage loans that contain a floor clause can request a refund of the amounts paid due to its application.
Bankia proposes to increase dividend out of profit for 2016 by 5% to 317 million euros
27 January 2017
Bankia’s Board of Directors has agreed to recommend to the General Meeting of Shareholders that a dividend of 2.756 euro cents per share be paid out of last year’s profits.
Bankia attracted 172,293 salaries in 2016 after eliminating its fees
23 January 2017
In 2016 Bankia increased the number of customers that automatically pay their income into the bank by 172,293, following its announcement on 11 January 2016 that it would eliminate all fees for customers that pay their salary or pension into their accounts.
Bankia launches the “No Fees Mortgage”
11 January 2017
Bankia today launched the “No Fees Mortgage”, which eliminates all of the charges associated with this type of loan for customers that automatically pay in their salaries or pensions. Furthermore, customers will not be required to take out any additional products with the bank to benefit from these conditions.
Indicators

Data as of December 31st, 2016. Click on each item for further information.

ATTRIBUTABLE PROFIT 804
million €

DIVIDEND +5%
317 million €

EFFICIENCY RATIO 48.9%
en 2016

CUSTOMER FUNDS +2.938
million € in 2016

NPL RATIO 9.8%
4Q16

NPA REDUCTION -1.613
million € in 2016

COVERAGE RATIO 55.1%
4Q16

CET 1 FULLY-LOADED RATIO 13.02%
4Q16

Material disclosures
27 January 2017
The Company’s Board of Directors resolves to recommend to the General Meeting of Shareholders the payment of a cash dividend out of earnings for financial year 2016.
21 December 2016
The company submits information relating to the Court of Justice of the European Union’s ruling on floor clauses.
Studies and presentations
30 January 2017
PRESS KIT BANKIA 2016 ANNUAL RESULTS: PRESENTATIONS, VIDEOS, MULTIMEDIA GALLERY...
30 January 2017
DISCOVER "EN ACCION": BANKIA'S SOCIAL FOOTPRINT
Bankia Share: trading price, equity analysts recommendations, shareholder structure, share capital, etc.
Discover Bizum: new Payment between Friends service
Calendar
Morgan Stanley European Financials Conference 2017 - London
22 March 2017
Webcast for Analysts and Investors: 1Q 2017 Results Presentation
28 April 2017
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