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Within the framework of the 6th International Tourism Forum of Maspalomas

Bankia Estudios stresses that "digital transformation and sustainability" are key to the competitiveness of the tourism sector


The director of Bankia Estudios stressed that Spain continues to be "in a very favorable leadership position" to face the challenges of the sector, taking advantage of "competitive advantages".
 

Communication Bankia

By  Communication Bankia

Publish on 
13 December 2018 - 15:00

  • The entity sponsors the meeting held today and tomorrow in Maspalomas as a result of an agreement with the University of Las Palmas de Gran Canaria and the Canary Islands University Foundation of Las Palmas
  • The director of Bankia Estudios, José Ramón Díez Guijarro, assures that Spain and the Canary Islands are still "in a very favourable leadership position" to face the challenges of the tourism sector
  • He stated that the current state is "ideal to take advantage of the potential of new technologies to adapt to social changes and the growing demands of customers in environmental matters"

The Director of Bankia Estudios, José Ramón Díez Guijarro, stated this Thursday at the 6th International Forum of Tourism of Maspalomas sponsored by the bank that "digital transformation and sustainability" are key to the competitiveness of the tourism sector.

During his conference, entitled “Entering the maturity stage of the cycle”, the director of Bankia Studies ensured that "the current state is ideal to take advantage of the potential of new technologies to adapt to social changes and the growing demands of customers in environmental matters”.

"The stages of lower demand growth are the ones in which we must prioritise strategies to increase tourism competitiveness, taking into account that its requirements change along with social and technological changes," said Díez Guijarro.

He also stressed that the sector should not forget that it must be a sustainable industry and increase its efforts to reduce environmental impact and preserve the environmental and cultural heritage, a necessary condition to ensure its own survival.

However, the director of Bankia Estudios highlighted that Spain and the Canary Islands are still "in a very favourable leadership position" to face the challenges of the sector, which include changes in the profile of tourists, greater dynamism of emerging markets and new communication and contracting platforms.

Díez Guijarro stressed that "utilising the competitive advantages we have will allow us to consolidate the good results of the last decade". He explained that in the same way that "international tourism has seen more moderate growth in the last few months”, in Spain "the upward cycle of the industry has also slowed down".

Bankia's support for the 6th International Forum of Tourism of Maspalomas in Gran Canaria that will take place today and tomorrow in the south of the island is part of the agreement signed by the bank with the University of Las Palmas de Gran Canaria and the Canarian University Foundation of Las Palmas.

The objective of the Congress is to create an international meeting aimed at researchers, academics, professionals and students to discuss the entire development process of tourist destinations, as well as to promote multidisciplinary collaboration between tourism and academia.

The Spanish economy is in a "very favourable" position

José Ramón Díez Guijarro has also analysed the national and international economic outlooks. He acknowledged that world growth "has peaked" while showing optimism that it will remain above its potential in 2019.

All in all, he admitted that, although there have not been huge excesses during the expansive stage of the cycle, the risks are increasing due to the rise of protectionism, weakness in emerging countries, Brexit or the tension between Italy and the European Commission.

"Spain is still in an expansive stage, but prone to deceleration", he said, and also pointed out that, nonetheless, the main strengths of the Spanish economy are still in effect, such as the intense creation of employment and the positive current account balance sheet results.

WTO collaboration

The VI International Congress of Maspalomas has been arranged by the City Council of the Villa of San Bartolomé de Tirajana and the University of Las Palmas de Gran Canaria, through the Faculty of Economics, Business and Tourism, with the sponsorship of Bankia.

The event provides the ideal framework for the exchange of opinions and experiences on the main problems of the industry and their solutions, as well as the trends that will determine the future of tourism.

The 6th International Forum of Maspalomas Costa Canaria has the collaboration of the World Tourism Organization (UNWTO) and the Ibn Zohr University of Agadir in Morocco; the Polytechnic Institute of Setúbal in Portugal and the Rochelle Business School in France.

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Business

Bankia signs a 'green loan' with Neinor to finance a property development with a sustainability certificate

Future householders will enjoy interest rate discounts of up to 20 basis points thanks to the sustainable loans that the entity offers to finance real estate developments.

Communication Bankia

By  Communication Bankia

Publish on 
27 December 2018 - 12:30

  • The financial institution decreases credit interest rate up to 20 points, thanks to the sustainability certificate.
  • The initiative will benefit the end buyer of the properties since the developer loan will be assumable with discount to retail mortgages.
  • The development consists of 316 homes in Las Rozas (Madrid) that have a sustainable construction certificate issued by BREEAM.

Bankia has signed a 'green loan' with Neinor to finance the construction of a housing development in Las Rozas (Madrid) with a sustainability certificate, thanks to which the price of credit will be reduced for the buyers of the homes.

Thus, the developer loan signed with Neinor will be assumable, with a discount on the price to retail mortgages for the customers that purchase the homes to be built in the aforementioned town, with a decrease of up to 20 percent in the interest rate.

The sustainability certificate from BREEAM ensures high constructive quality of the development and energy sustainability, using both active and passive systems.

Environmentally sustainable buildings provide economic benefits for both users and owners. A building that meets these standards reduces energy consumption by 50% -70% and water consumption by 40%; operating and maintenance costs are between 7% and 8% lower than usual and the value of the property increases due to its quality.

The development, located in the town of Las Rozas, will consist of 316 2-, 3- and 4-bedroom homes in a residential area with shared spaces, swimming pool, gardens, gym and halls for community use.

According to the Developer Director of Bankia, Alberto Manrique, the entity "has a responsible management model committed to work for the sustainability of our environment through various initiatives, including the development of banking products and financing of projects that contribute to achieving environmental goals".

In this sense, the CFO of Neinor Homes, Jordi Argemí, pointed out that "Neinor Homes has always opted for sustainability. We understand that the future of housing development will be linked to it and the fact that stakeholders such as Bankia are committed to sustainability is very good news."

Interest rate discount

Bankia launched this type of loan to finance developments with a sustainability certificate last summer. The discount to the buyers of the home on the interest rate applied by Bankia will partly compensate the higher additional cost of a construction that meets environment-friendly standards, estimated at 2% by BREEAM experts (depending on the rating grade).

When it comes to certifying a home, it is common to consider issues such as CO2 emissions, energy savings, lighting and efficient facilities, access to public transport, efficient appliances for water consumption, the use of non-toxic materials with a low environmental impact or efficient and adequate waste management, among others.

Bankia resumed its developer credits last January first after the end of the restrictions established in the Restructuring Plan signed by the entity with the European Commission more than five years ago. For this purpose, Bankia incorporated the Promoters Department into its structure.

Other sustainable financial products of Bankia

Bankia already has several products and services aimed at achieving environmental objectives. The first of these products launched by the bank was the ‘Sustainable Fund’, a global variable return fund that uses most recently defined socially responsible investment strategy, called ‘impact investment,’ which is investment that pursues both financial profitability and positive social or environmental impact.

The second product, ‘Sustainable Consumption Loan’ is aimed at financing the purchase of goods that foster energy efficiency, the battle against climate change and sustainable growth at an improved interest rate.

This loan is aimed at private customers and self-employed people to finance the purchase of environment-friendly vehicles, low-energy appliances, efficient machinery and renovations of homes or premises that lead to energy savings.

The loan applies a nominal fixed interest rate of 4.75%, has no opening rates, has a repayment term of up to 8 years and finances up to 60,000 euros.

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Social commitment

As part of an agreement signed with WWF Spain

Volunteers from Bankia participate in the reforestation of the Las Tablas de Daimiel National Park

40 Bankia volunteers have participated in the project 'Forests of water. Restoring the forests of Tablas de Daimiel ', the first initiative to recover, in the next three years, a total of 60 hectares of pastureland.
 

Communication Bankia

By  Communication Bankia

Publish on 
26 January 2019 - 17:00

  • This activity is part of an agreement between Bankia and WWF that will take place over three years
  • Sixty hectares of pasture will be recovered in order to preserve the wetland

Bankia and WWF Spain held the first volunteer day for the reforestation of the Tablas de Daimiel National Park. Both entities have committed to restore, over the next three years, a total of 60 hectares of pasture in order to ensure the preservation of the largest wetland in Spain.

Almost forty Bankia volunteers have participated in the project 'Forests of water. Restoring the forests of Las Tablas de Daimiel' with cultivation and reforestation actions of the old oak pastures around the Park.

Bankia’s director of Corporate Social Responsibility, David Menéndez, who has participated in the activity, wanted to highlight the commitment of the financial institution to its surroundings and the preservation of the environment. "At Bankia we are fully committed to the environment and to the fight against climate change, we are aware that caring for our environment is essential to guarantee its future," he said.

In addition, Menéndez has stressed the importance of carrying out this activity in Castilla-La Mancha. "It is one of the birthplaces of Bankia, to which we feel closely linked, and supporting natural regeneration is fundamental to ensure sustainable and responsible tourism generating an economic activity that increases opportunities and benefits the entire area."

The actions of reforestation and volunteering are part of the agreement signed by Bankia and WWF to enhance the biodiversity of one of the most emblematic national parks of Ciudad Real.

Through the agreement, both entities will work for the preservation of the Park that has an area of 3,000 hectares and houses one of the most fragile and valuable wetlands of Castilla La Mancha.

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From left to right: the president of the CajaGranada Foundation, María Elena Martín-Vivaldi, and Bankia’s Regional Corporate Director in Andalusia, Joaquín Holgado.

Social commitment

Bankia supports with 850,000 euros to CajaGranada Foundation to develop social programs in Andalucía

The agreement also includes the call for social action 'We help those who help', in its twenty-fourth edition, which will finance specific projects of NGOs.
 

Communication Bankia

By  Communication Bankia

Publish on 
14 February 2019 - 12:15

  • The agreement includes the call for social action 'We help those who help', which aims to support social and welfare projects in the region
  • Both entities will promote environmental projects and the rural/local and cultural environment in Andalucía
  • The agreement has been signed by Bankia’s Regional Corporate Director in Andalucía, Joaquín Holgado, and the president of the CajaGranada Foundation, María Elena Martín-Vivaldi

Bankia supports CajaGranada Foundation with 850,000 euros with the objective of financing social programs of associations and foundations in Andalucía that will be jointly managed by both entities through three main lines of action: social action, environment and entrepreneurship.

Bankia’s Regional Director in Andalucía, Joaquín Holgado, and the president of the CajaGranada Foundation, María Elena Martín-Vivaldi, have signed a collaboration agreement whereby Bankia shows its commitment to Andalucía and articulates a large part of its social action in this region through the CajaGranada Foundation, which has experience and knowledge of the region.

The agreement includes, on the one hand, the launch in spring of the 2019 call for social action 'We help those who help', twenty-fourth edition, which will finance specific projects of NGOs and social associations with their projects, mainly, in the provinces of Granada, Jaén, Málaga and Almería.

On the other hand, the agreement includes the implementation of a plan to support environmental programs, as well as a support line for activities to promote entrepreneurship in rural areas in Andalucía and local, social and cultural development activities.

Bankia’s Regional Corporate Director in Andalucía has stressed that "working hand in hand with the CajaGranada Foundation is the best way to help improve the quality of life of the groups that need it most in Andalucía." "We think it’s essential to channel these aids through associations and foundations in the region, which are the ones that really know those needs", added Holgado.

For her part, María Elena Martín-Vivaldi, stressed that "we are honored to go hand in hand with Bankia in the development of social, environmental and local development projects promoted by the CajaGranada Foundation". "Thanks to this collaboration, we can devote more resources to collaborate with the associations and NOGs of the region, which are so beneficial to different groups of disadvantaged people and at risk of exclusion."

Bankia thus maintains its commitment to Andalucía and channels part of its social responsibility lines through the CajaGranada Foundation.

Bankia

Bankia consolidates and reinforces its commitment to society through five priority lines of social action: employment and training, housing, local and rural development, disability and the environment. The financial institution focuses its social investment on these areas and maintains its commitment to society through the involvement of its entire structure and professionals. The Corporate Social Responsibility policy is all-encompassing and approachable, as it links the social actions of the bank with its business in the areas in which the professionals themselves find socio-economic problems and vulnerable groups.

CajaGranada Foundation

The CajaGranada Foundation has a history of more than 125 years focusing on its strong social vocation in Granada, Jaén, Almería and the rest of Andalucía. Its main project, the Cultural Center Memory of Andalucía, celebrates 10 years of activity at the service of citizens. An event that the CajaGranada Foundation celebrates in 2019 with a complete list of activities. The Foundation’s social media presence has increased since the launch of the free financial education app that now has over 63,000 subscribers thus reaching a significant percentage of Andalucían citizens.

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Business

European Commission restrictions have now been lifted

Bankia formalizes 450 million euros in the first year after its return to the development industry

"Bankia is satisfied with this progress and the good reception of the development industry upon our return to financing activities, which gives us an optimistic outlook for 2019”, said the Director of Developers, Alberto Manrique.

Communication Bankia

By  Communication Bankia

Publish on 
02 January 2019 - 10:00

  • During this period, the bank has signed financing operations for the construction of 2,200 homes.
  • "In Bankia we are satisfied with the activity carried out in 2018 and the positive reception of the clients of the industry, which makes us enter 2019 with optimism", said the Director of Developers of Bankia, Alberto Manrique.

Bankia entered into arrangements worth €450 million during the first year of activity, since returning to the development business on expiry of the restrictions imposed by the European Commission.

In the past year, the entity has signed financing operation with top tier real estate developers. As a result of this activity, it has closed operations for developments in Madrid, Catalonia, Comunidad Valenciana, Andalucía and the Balearic Islands to finance the construction of 2,200 homes.

During 2018 Bankia has doubled the expectations formed for the first year after returning to this activity.

"Bankia is satisfied with this progress and the good reception of the development industry upon our return to financing activities, which gives us an optimistic outlook for 2019", said the Director of Developers, Alberto Manrique.

Property development division

Bankia created the Property Development Division at the end of 2017, under the Deputy General Management of Business Banking, to undertake the financing to the property development industry after the end of the restrictions imposed by the restructuring plan of the entity in 2012.

The new Division is responsible for financing to the property development business at a time of economic upturn. "In this new stage, Bankia is conducting the activity according to the new careful standards of the real estate sector, which includes a need for adequate marketing levels and exhaustive surveillance of the development of the projects," said Manrique.

Preferential conditions for developments with sustainability certificates

One of the initiatives developed by Bankia in its first year of activity has been the development of assumable development loans with a green loan that includes discounts for loans to home buyers of developments with a certificate of environmental sustainability.

The new line of business began with the signing of an operation with the Amenabar Group development company to finance a promotion in the town of Las Rozas (Madrid) and has continued with several operations, the most important being the one recently signed with the Neinor Group also in the same town.

This product benefits both developers and, most of all, the final buyer of the homes, since the development loan will be assumable, with a discount, to retail mortgages for the individual who purchases the home.

Interest rates vary according to the borrower’s credit rating but will be 0.10 and 0.20 points lower than those available for projects without environmental construction certificates.

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CONTACT

External Communication Direction

Virginia Zafra de Llera
DIRECTOR OF EXTERNAL COMMUNICATION
vzafra@bankia.com

 

Press Relationship

Guillermo Fernández Martín
DIRECTOR OF PRESS RELATIONSHIP
gfernandezm@bankia.com

Mariano Utrilla Cortijo
mutrilla@bankia.com

Irene Rivas García
irivas@bankia.com

Belén Porras Povedano
bporras@bankia.com

María Campos Lages
mcamposla@bankia.com

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jcabeza@bankia.com

 

Digital Communication

Ana Bernad Colás
DIRECTOR OF DIGITAL COMMUNICATION
abernad@bankia.com

Leticia Lucio Álvarez
llucio@bankia.com

María Navarro Caballero
mnavarro@bankia.com

   

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