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Bankia starts commercialisation of the 'ICO Exporters Line 2019'

"These data are a clear sign of Bankia's determined commitment to foreign trade in order to meet the demand of SMEs to facilitate their exports," said Alberto Jiménez, director of Business Financing.

Communication Bankia

By  Communication Bankia

Publish on 
01 March 2019 - 09:45

  • It is aimed at Spanish freelancers and companies that want to obtain liquidity by obtaining an advance in the invoices from their export activity or covering prior production and processing costs of exported goods.
  • It will be possible to finance up to 100% of the amount of the invoice or the sale amount of the goods or services, provided that it does not exceed 12.5 million euros of outstanding balance per customer and year.
  • Bankia ended 2018 as the leading entity in financing to companies through ICO lines, by formalising 750 million euros, which meant a market share of 32%, the highest among the 23 banks that offer this product.
  • Last year Bankia processed 490 million euros from the 'ICO Exporters Line 2018', a 60% share.

Bankia has started commercialisation of the 'ICO Exporters Line 2019' with the aim of giving financial support to the internationalisation process of Spanish companies.

This is a line aimed at Spanish freelancers and companies that want to obtain liquidity by obtaining an advance in the invoices from their export activity or covering prior production and processing costs of exported goods.

It will be possible to finance 100% or up to 100% of the amount of the invoice or the sale amount of the goods or services, provided that it does not exceed 12.5 million euros of outstanding balance per customer and year, in one or several instances.

60% market share

Bankia ended 2018 as the leading entity in financing to companies through ICO lines, by formalising 750 million euros, which meant a market share of 32%, the highest among the 23 banks that offer this product.

This leadership was based on the production carried out in the 'ICO Exporters Line 2018', in which Bankia processed 490 million euros, a 60% share.

"These data are a clear sign of Bankia's determined commitment to foreign trade in order to meet the demand of SMEs to facilitate their exports," said Alberto Jiménez, director of Business Financing.

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The expected budget increases due to the quality of certain projects

The Dualiza Aid Scheme and FPempresa selects 44 Vocational Training projects in 15 communities

The evaluation commission has valued that the chosen projects are innovative, maintain a social relevance and are lasting over time.

Communication Bankia

By  Communication Bankia

Publish on 
15 March 2019 - 13:15

  • The second edition of the Call for Proposals has allowed to increase the number of projects selected, the number of autonomous regions benefited, and the amount, which this year will amount to 407,000 euros
  • The head of projects of the Bankia Foundation for Dual Training, Juan Carlos Lauder, highlighted “the importance of this call for fostering collaboration between vocational training centres and companies, an essential collaboration to be able to meet the labour and training needs of tomorrow”.
  • The chairman of FPempresa, Luis García Domínguez, underlined that “by sharing successful projects and good practices, we will achieve quality Vocational Training aimed at the employability of students”.

The second edition of the Dualiza Aid Scheme and FPempresa has selected 44 collaboration projects from among vocational training centres and companies, distributed over 15 autonomous regions.

The interest aroused, together with the quality of the projects, has led the participating entities to distribute 407,000 euros, exceeding the initially planned budget of 400,000 euros. This increase has allowed to increase the number of centres that will receive aid to a total of 44, in comparison to the 36 selected in the first edition. Moreover, the aid will be more spread out due to reaching a total of 15 autonomous regions, instead of just 13 previously.

The community with most selected projects was the Comunidad Valenciana, with a total of 11, followed by Andalucía, with five, and Cataluña and the País Vasco, both with four.

Once again, the evaluation committee has taken into account that the projects are innovative and have social relevance; they encourage co-participation among various centres; have social impact; diversify the participating agents; establish coordination and communication mechanisms; envisage durability to provide long-term results; are transferable, and facilitate communication of the achievements.

The head of projects of the Bankia Foundation for Dual Training, Juan Carlos Lauder, highlighted “the importance of this call for fostering collaboration between vocational training centres and companies, an essential collaboration to be able to meet the labour and training needs of tomorrow”.

Lauder expressed his satisfaction that the Call “becoming more and more known and that it has found a place among Vocational Training centres as a pillar on which to develop projects of such educational and social importance”.

For his part, the chairman of FPempresa, Luis García Domínguez, confirmed the great acceptance the Dualiza Aid Scheme has in the training centres and has insisted that “FPempresa works to create spaces and proposals that foster relationships among centres, companies and the Administration. By sharing successful projects and good practices, we will achieve quality Vocational Training aimed at the employability of students”.

The selected projects, by autonomous community, were as follows:

Andalucía: five projects in Granada, Huelva and Málaga
  • Granada. Reina Isabel International Training Centre. Fit The Company website platform.
  • Granada. IES Cartuja. Forma Profes FP Dual Granada- Learning training projects for teachers and business trainers.
  • Huelva. IES Don Bosco. Qualification in 3D.
  • Huelva. Colegio Salesianos `Cristo Sacerdote´. Augmented reality applied to acquire and improve professional skills transferable to the productive environment.
  • Málaga IES Pérez de Guzmán. Project aimed at improving specialisation: equine therapy, take charge of your life.
Aragón: a project in Teruel
  • Teruel. IES Valle del Jiloca. Organic vegetable garden and transformation of agricultural products into food products.
Asturias: a project in Oviedo
  • Oviedo. CIFP Sardinia. The hospital as a complement to the Integrated Centre.
Islas Baleares: a project in Palma
  • Palma. CIFP Son Llebre. Adapting soft skills to the VUCA context.
Islas Canarias: three projects in Santa Cruz de Tenerife and Las Palmas
  • Santa Cruz de Tenerife. CIFP Las Indias # LasIndiasEmprendeLab- Entrepreneurship Laboratory at CIFP Las Indias.
  • Las Palmas de Gran Canaria. CNP España SLU. CIP PROlab. Project laboratory and entrepreneurship incubator.
  • Las Palmas de Gran Canaria. CIFP Cruz de Piedra. Company training educational centre in the digital era.
Castilla-La Mancha: three projects in Cuenca and Albacete
  • Cuenca. IES Pedro Mercedes. Dual vocational training project in CFGM Electromechanics of motor vehicles.
  • Cuenca. IES Cañada de la Encina. Early integration into the labour market.
  • Albacete. CIFP Aguas Nuevas. Implementation of innovation methodologies and business entrepreneurship within sustainable economy in vocational training.
Castilla and León: three projects in Soria, Segovia and Palencia
  • Soria CIFP Pico Frentes CNC up: cooperative learning in productive design.
  • Segovia CIFP Felipe VI, Segovia Dual Revolution.
  • Palencia CFIP Camino de la Miranda- Development of local professionals focused on the management of SaaS systems services.
Cataluña: four projects in Barcelona and Tarragona
  • Barcelona Institut Bonanova. Creation of a training platform for IM technicians.
  • Tarragona. Institut Pere Martell. Smart Green Grid. Teaching station for recharging electric vehicles with photovoltaic solar energy.
  • Barcelona Institut Joan Brossa. Specialised dual training in “Automotive sales”.
  • Barcelona Institut Escola Industrial de Sabadell. Creation of a training platform for developing mechatronic applications in virtual environments.
Comunidad Valenciana: 11 projects in Valencia and Alicante
  • Valencia Centro de Formación Profesional Xabec. The Professional Development Forum. A place where the educational world and the business world converge.
  • Valencia CIFP Ausias March. STARTUP-FP: Experimenting with vocational training startups.
  • Valencia IES La Marxadella. Improvement of training through competition and ecology.
  • Alicante CIFP Valle de Elda. Tourism for all: an inclusive inland tourism project.
  • Alicante Centro San José Artesano. `Meeting point: simulated companies trade fair’ project.
  • Valencia Gabriel Ciscar. Installation of a creative manufacturing workshop for the IES Gabriel Ciscar.
  • Valencia IES Almussafes. Research into a smart regulation and control system and its associated marketing plan.
  • Valencia IES 9 D’octubre. FP APP.
  • Valencia CIPFP La Costera. ´Educarp´: Educating in CPR-CPR in educational spaces (Training in the use of the automated SEM defibrillator.
  • Valencia CIPFP Mislata. Training of higher technicians in optics focused on service learning.
  • Valencia IES Jorge Juan. Genetics: learning beyond the classroom.
Extremadura: a project in Badajoz
  • Badajoz. IES San José. “Towards business excellence in vocational training centres”.
Galicia: a project in A Coruña
  • A Coruña. IES Fernando Blanco- The “Design and assembly of an elevator with multiple manoeuvres” project has been selected among the best in Spain.
La Rioja: two projects in Logroño
  • Logroño. “Los Boscos” Salesians. “Scouting” technical vocational training needs for La Rioja metallurgical sector. Training pills and teaching stays.
  • Logroño Sagrado Corazón School and vocational training centre. Smart Electricians: training electricians for the new digital era, committed to society.
Madrid: three projects
  • IES León Felipe, Torrejón de Ardoz, Wood FCT application.
  • IES Leonardo da Vinci, Madrid. Rebeca (Ecological Rubbish Recycling in the classroom cloud).
  • IES Prado Santo Domingo (Alcorcón). Can the sun move us? Photovoltaic self-consumption applied to recharging electric vehicles.
País Vasco: four projects in Guipúzcoa and Vizcaya
  • Guipúzcoa. Goierri Eskola. Management of production 4.0 in Dual Vocational Training.
  • Vizcaya. Politeknika Ikastegia Txorierri. FDE: Specialised Dual Training in the field of die-cutting, simulating a real company.
  • Guipúzcoa. CIFP Usurbil LHII. Demonstration test for the viability of refresher.
  • Vizcaya. Salesianos Deusto. FDE: Specialised Dual Training in the field of robotics, applying active and collaborative methodologies.
Región of Murcia: a project in Murcia
  • Murcia CIFP Hespérides. `Smart warehouse with new generation RFID identification system for tools and teaching equipment'.
Dualiza Bankia, Bankia’s dual training initiative

Dualiza Bankia is the brand through which the Bankia Foundation for Dual Training carries out all of its promotion and prestige activities regarding vocational training and dual vocational training, keeping in mind that it improves the employability of students and the competitiveness of companies. And it represents the commitment acquired by Bankia to the promotion of education as a way to improve society, combat inequality and promote greater social cohesion.

FPempresa

FPempresa is a non-profit organisation that brings together public and private Vocational Training centres throughout Spain. Since 2012, it has been working to foster and encourage Vocational Training through the exchange of experiences and good practices among the centres that make up the organisation.

Its objective is to give prominence to Vocational Training in the education system and to strengthen relations between centres and their environment. The commitment between Vocational Training centres and companies allows to improve the educational offer for students of training cycles and channels for their integration into the labour market.

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From left to right: area manager Bankia Toledo and Guadalajara, José Campo; provincial chairwoman ASAJA, Blanca Corroto; corporate director Bankia Castilla-La Mancha and Extremadura, Jaime Campos; Isidoro Gómez, Technical Services Department ASAJA.

Business

Bankia and ASAJA Toledo sign an agreement to facilitate the processing of the CAP in Castilla-La Mancha

The entity exempts from the main administration and maintenance commissions in all its accounts those beneficiaries of the CAP that domicile the aids in Bankia.
 

Communication Bankia

By  Communication Bankia

Publish on 
13 March 2019 - 13:30

  • The agreement will speed up the advance payment of aid from the Common Agricultural Policy (CAP) and will offer financing conditions adapted to the needs of cooperatives and their members
  • The aid may be paid directly at the Bankia branches in Castille-La Mancha

Bankia and ASAJA (Agrarian Association of Young Farmers) of Toledo have signed a collaboration agreement to streamline the management and processing of the Common Agricultural Policy (CAP) aid at all the bank’s branches in Castille-La Mancha.

The agreement was signed at the regional head offices of Bankia in Castilla-La Mancha, based in Toledo, by the provincial chairwoman of ASAJA, Blanca Corroto; and the corporate director of Bankia in Castilla-La Mancha and Extremadura, Jaime Campos. The event was also attended by Bankia area manager in Toledo and Guadalajara, José Luis Campo.

The corporate director of Bankia in Castille-La Mancha and Extremadura stressed that “once again, Bankia supports young farmers through agreements such as the one we have signed with ASAJA”. “This agreement represents considerable support for farmers and an economic boost for a region that is so relevant for the bank”, he underlined.

The provincial chairwoman of ASAJA, Blanca Corroto, has welcomed Bankia's support for farmers in the province with measures such as the CAP advance payment. She also highlighted “the work carried out by the technical services of ASAJA Toledo, both in terms of advice, aimed at resolving any queries that may arise regarding CAP regulations, and in the processing of applications for agricultural aid”.

The main objective of this agreement is to establish a framework for commercial collaboration between the parties aimed at channelling the CAP aid dossiers through the network of Bankia branches. The entity will not charge the CAP aid beneficiaries the main administrative and maintenance fees on all their accounts when they arrange to receive the aid payments directly to their bank account. In addition, these beneficiaries have the option of requesting that Bankia provides them with an immediate advance payment of up to 90% of the amount to which they are entitled.

This agreement is a continuation of the support that Bankia has been providing to ASAJA Toledo and its associates in recent years.

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The president of Bankia, José Ignacio Goirigolzarri, during his inaugural speech at Forinvest in Valencia.

Business

At the inaugural speech of Forinvest in Valencia

Goirigolzarri: "Our goal is to turn Bankia into the preferred bank in Spain"

To achieve this, Bankia has "customer satisfaction, an excellent corporate governance, a permanent vocation of service to society and absolute respect for our principles and values".

Communication Bankia

By  Communication Bankia

Publish on 
05 March 2019 - 13:30

  • The president of Bankia highlighted, at the main financial forum of the country, the importance of customer satisfaction, the permanent vocation of service to society, excellent corporate governance and the "absolute respect for principles and values" required to achieve this goal
  • Goirigolzarri claimed that "we must be aware of and deal with" the reputation of banking and argued that "Bankia is possibly the best example of the recovery of the financial system"
  • "Valencia is our home, we were born here and here we have our headquarters since the beginning" he said.

The president of Bankia, José Ignacio Goirigolzarri, has assured that the objective of the financial institution is "to be the preferred bank in Spain" and that, to achieve this, Bankia has "customer satisfaction, an excellent corporate governance, a permanent vocation of service to society and absolute respect for our principles and values".

Goirigolzarri has inaugurated the twelfth edition of the Forinvest fair, which is being held today and tomorrow at the Valencia Fair, with a conference entitled 'Bankia against the challenges of the financial system'.

"In the main financial forum of our country", he pointed out that, strategically, the companies that overcome the challenges of the future will be those that "give a high quality response in virtual relations with their customers, promoting digital practices to protect data privacy” and that, at the same time, are capable of "accommodating their traditional distribution network so that it complements a multi-channel approach and is a source of competitive advantages".

The great challenges of the financial sector

The president of Bankia underlined in the course of his speech that "the two great challenges" of the Spanish economy in the medium and long term are the high level of unemployment and the level of public debt.

In addition, he pointed out that the financial industry faces three major challenges: reputation, profitability and the strategic challenge derived from the change of habits of its customers due to the emergence of new technologies.

With regard to reputation, Goirigolzarri stressed that "the financial system is key to the future of society" and has admitted that, in 2012, it was the main economic problem in Spain, but that it has carried out "a very significant restructuring and transformation process". "While it is true that the bailout received made it solvent and guaranteed the safety of the customers and the system, it was not a guarantee of its viability in the long term", he pointed out.

"The savings of the depositors were rescued, but the bank, employees and shareholders have undergone a profound restructuring process", he explained, assuring that "it has led it to a 40% decrease in offices and a similar decrease in workforce, about 80,000 people". In this regard, Goirigolzarri argued that "Bankia is possibly the best example of the recovery of the financial system".

The president of Bankia stressed that he has "always" considered reputation to be "highly important". "We must not only be aware of, but also deal with what society is asking of us because it is evident that society is very disappointed with the operation of the financial system during the crisis", he acknowledged.

On the opening day of Forinvest, Goirigolzarri stressed the importance of having "excellent corporate governance practices" and insisted that "the sustainability of a project lies in society finding it useful" and "wanting us to exist".

In addition, the president of Bankia has mentioned profitability as one of the great challenges faced by the financial industry. "Without adequate profitability, which must be higher than the capital cost, the bank will be unable to attract investors and, therefore, finance the economy", he warned, and mentioned negative interest rates as a cause of low profitability along with the continuous deleveraging of families and businesses.

Lastly, Goirigolzarri pointed out that banking faces a "very important" strategic challenge derived from the change in customers' habits and that "it is boosted by a technological revolution".

However, he stated that he sees this technological change "as a great opportunity" and not "as a great threat" along with the fact that there are new competitors due to the rise of new technologies. "Technology is a weapon that should allow us to improve service to our customers," he remarked.

Bankia Fintech by Innsomnia in Valencia

Goirigolzarri pointed out that Bankia's strategy regarding new competitors is "collaboration and alliance" and that, for this reason, it created Bankia Fintech by Innsomnia in La Marina de Valencia, with the aim of incubating and accelerating national and international startups. He explained that, in two and a half years, it has received more than 300 startup applications from which the entity has selected 47, with 60% of which it has signed a collaboration agreement.

The president of Bankia also stressed that Valencia is "a very important region" for the entity. "It's our home, we were born here as a bank, and here we have our headquarters since the beginning", he said, and highlighted its "great importance from a business perspective."

In this line, he acknowledged that the fact of having 1.6 million Valencian customers, more than 60,000 companies working with the entity in the Community of Valencia and having a 19% market share in the province of Valencia entails a "great responsibility".

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Business Governance, Strategy and Competitiveness Observatory

Only 31% of Valencian family businesses have a board of directors, compared to 44% of non-family businesses

The companies of the Comunitat Valenciana rely to a lesser extent on the use of this governing body in comparison to the national data analyzed in this new report.

Communication Bankia

By  Communication Bankia

Publish on 
12 February 2019 - 13:00

  • The GECE Observatory, promoted by Bankia and Ivie, issues the 'Keys of competitiveness' document analysing the differences in the governing bodies used by the companies of the Valencian Community
  • At the national level, 36.6% of family businesses and 53.8% of non-family businesses have a board of directors, both higher than the values in Valencia
  • Among the most competitive Valencian companies, the amount of businesses with a board is 38.1% in the case of family businesses and 51.1% if, in addition, they are medium or large companies.

The report of the GECE Observatory (spanish version), promoted by Bankia and Ivie, reveals that only 31% of Valencian family businesses have a board of directors while 44% of non-family businesses have one. In general, companies in the Valencian Community rely less on this type of governing body since, at the national level, 36.6% of family businesses and 53.8% of non-family businesses make use of one.

The Business Governance, Strategy and Competitiveness Observatory, a Bankia initiative in collaboration with the Valencian Institute of Economic Research (Ivie), has issued the second 'Keys to competitiveness' document, analysing the differences between the management models of Valencian and non-Valencian family businesses. These documents are the result of a deep dive into the determinants of competitiveness for Spanish companies, the main objective of the GECE Observatory.

According to the data obtained by the Observatory, "the predominance of sole administrators in Valencian family businesses shows a scenario in which different outlooks and accountability to third parties from management bodies is not widespread”.

However, the interest in a more open governance model, using a board of directors, increases in the case of the most competitive family businesses.

Specifically, 38% of Valencian family businesses in the ’Superior’ group regarding competitiveness, according to the classification created by the Observatory, have a board of directors. In the ‘Fragile’ group, only 23.6% have a board of directors.

The percentage of companies with a board of directors is higher among the most competitive medium and large companies and is closer to the national average. Around 51% of the most competitive medium and large family businesses have boards of directors, both in the Valencian Community and in Spain as a whole.

Management Teams

In addition to the positive correlation between competitiveness and a governance model that includes a board of directors, this decision-making body can contribute to facilitate other professional management structures in companies. In fact, 58.7% of family businesses that have boards of directors also have formal management teams, compared to 24% of the companies managed by a sole administrator.

Family businesses with a board of directors are also more inclined to create structures that facilitate the relationship between family that owns the company and the company itself. This is the case of family boards, present in 15% of family companies with a board of directors and only 7.6% of companies managed by a sole administrator.

In short, according to Key 2 of the GECE Observatory, "boards of directors are corporate governance structures that give rise to a wider variety of perspectives in strategic decision-making, encourage accountability to third parties and act as promoters and mediators in the creation of other structures to improve the management of the relationship between the owners and the family business".

A more detailed analysis can be found in Report 2 Ownership structure and governance systems of Valencian businesses: characterisation and link to competitiveness of the GECE Observatory.

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