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In the Nueva Murcia Forum

Goirigolzarri: "We must consider and deal with the reputation of the financial industry because it is fundamental for the future of society"

The president of Bankia stressed that “we must listen to what society is asking from us" and that the financial sector "must be profitable and transparent".

Communication Bankia

By  Communication Bankia

Publish on 
14 November 2018 - 14:45

  • The president of Bankia admits to being "very satisfied" with the merger with BMN because the goal was to achieve a "fast and efficient" process
  • Goirigolzarri announces that 180,500 customers are already exempt from paying operation fees in the Region of Murcia
  • He stressed that Bankia "believes in Murcian businesses" and mentioned that it has financed 18,000 business projects and has led the financing of the largest photovoltaic plant in Europe, in Mula

The president of Bankia, José Ignacio Goirigolzarri, argued in Murcia that "we must consider and deal with the reputation of the financial sector because it is fundamental for the future of society."

Goirigolzarri took part in an informative luncheon organized by Nueva Murcia Forum, attended by authorities and business people of the Region, presented by Carlos Egea, executive director of Bankia.

The president of Bankia stressed that “we must listen to what society is asking from us" because "it is obvious that society is very disappointed with the functioning of the financial system during the crisis", but advised that we should "always question the financial system so that decisions can be taken made at all levels that may be welcome in the short term but end up being negative for society as a whole.”

In this regard, he explained that for the industry to be solid it "must be profitable and transparent" because, if the profitability is below the cost of capital required by investors, the system will be a hindrance, because it will be undercapitalised and not able to finance its economy, acting as a brake for the development of the country.

Goirigolzarri acknowledged that "Bankia is a paradigm" because "it meant the recognition of mistakes made in the past" and "the establishment of a clear differentiation between the past and current management."

"While we take all this into fruition, we must explain to society what our role is", he pointed out, to later stress that "we must show that a solid financial system is essential to ensure a sustainable growth of the Spanish economy, which is, in turn, the means to ensure a better standard of living for citizens and the necessary condition to fight against unemployment."

Similarly, the president of Bankia highlighted that Spanish mortgages have the lowest rates in Europe, along with Portugal and Finland, and that the current mortgage system, "although it clearly has room for improvement" has been "very positive for Spanish society" and allowed 80% of the population to own a home, a much higher percentage than in the rest of Europe.

Team effort and professionalism

He also stated that he was "very satisfied" with the merger process with BMN because the main objective of the entity was "to carry out a fast and efficient process." "Personally, I have experienced more than 30 merger processes in different countries and I can state that the one carried out this year has been very positive", he said.

In this regard, he announced that, thanks to the merger, a total of 180,500 customers in the Region of Murcia are not paying rates with only a payroll account "it is essential that all customers have the same products and conditions available."

Goirigolzarri thanked "the huge help from our ambassador in the Region, Carlos Egea", as well as "the effort and professionalism" of the entire Bankia team. He has also acknowledged "the support" of regional and local authorities, the Caja Murcia Foundation and the Regional Confederation of Business Organizations of Murcia (CROEM).

He assured that, at the end of this month, the entity will “conclude” the human adjustment process derived from the merger with BMN, a key factor to prevent "uncertainty."

"The Region of Murcia is our home"

While addressing Murcian businesses, the president of the entity has insisted that Bankia was committed to be "as close as Caja Murcia was" and stressed that "the Region of Murcia is our home." "We were born here and even though we changed our name over the years this region is an important part of our history and our present" he said.

He also stressed that the business industry is one of the main priorities of the bank because "we believe in Murcian businesses." "We believe in the significant entrepreneurial and exporting nature of this Region, and we deeply believe in its present and its future," he said.

Goirigolzarri has communicated that, according to this principle, the entity has financed 18,000 business projects and has led the financing for the construction of the largest photovoltaic plant in Europe, located in Mula, for an amount exceeding 200 million euros.

In addition, he highlighted the value that Bankia has created and the fact that the company reinforced the three business centres of Murcia, Cartagena and Lorca, and signed an agreement for 20 million euros with Avalam, the reciprocal guarantee society of the Region of Murcia, to support small and medium-sized businesses and self-employed people of the autonomous community.

"A new era in the Spanish economy"

The president of Bankia also used this opportunity to analyse the outlook of the Spanish and international economies. Global growth, he pointed out, is led by the United States of America and the European economy is experiencing "a clear slowdown" as a result of Brexit, Italy and the slowdown in international trade.

Regarding the Spanish economy, he emphasized that we are facing "a new stage" within the expansive cyclical phase with growth rates slightly above 2.5% this year, which become 2.2% or 2.3% next year.

"We cannot say that this loss of momentum is a negative surprise, since it is within what we have been expecting for a few quarters" he admitted.

Goirigolzarri has pointed out that "the two great challenges" in the medium and long term of the Spanish economy are the level of public debt and unemployment. "When I speak of unemployment, I’m not only talking about the need for significant economic growth in the coming years, because this is a necessary condition, but not sufficient, I am talking about the employability of human capital, a concept that is closely linked to that of education", he stated, saying that education is "the most important unfinished business we have in Spain."

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Social commitment

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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CAP Campaign 2019

Bankia exempts farmers who receive the PAC aid through direct debit from omission fees and facilitates advanced collection

Bankia has more than 370 branches specialised in the agricultural and livestock industry, all of them located in areas with a significant agricultural industry

Communication Bankia

By  Communication Bankia

Publish on 
01 March 2019 - 10:30

  • The bank will void administration and maintenance fees in all accounts, for debit and credit business cards, along with transfer fees through any platform and of any amount.
  • The entity offers its customers an online Advance Simulator that allows the user to know the different possibilities for advanced payment according to the amount and the date requested.
  • Bankia has more than 370 branches specialised in the agricultural and livestock industry, all of them located in areas with a significant agricultural industry.
  • "The agricultural and livestock industries are strategic for Bankia. We understand the concerns of its professionals, we provide answers to their questions, we offer financial advice and the most appropriate products in each case", says Gonzalo Blanco, director of Commerce and Freelancers, in charge of Bankia's agricultural business.

Bankia has a service aimed at farmers to facilitate the processing of the application for Common Agricultural Policy aids (CAP) 2019.

Farmers and who receive the CAP in a Bankia account will not have to pay the main commission fees. This way, the bank will void administration and maintenance fees in all accounts, for debit and credit business cards, along with transfer fees through any platform and of any amount.

In addition, the beneficiaries of the CAP who receive the aid through direct debit may request the financial institution to pay it immediately through an advance of up to 90% of the amount to which they are entitled.

In addition, Bankia offers its customers an online 'Advance Simulator' that allows the user to know the different possibilities for advanced payment according to the amount and the date requested

Bankia has specialised teams that offer personalised advice to farmers, as well as an agile and simple procedure for processing advanced payments of this aid.

Farmers can process the grants free of charge at their Bankia office until April 30, the deadline set by the regulations to carry out these procedures.

"CAP subsidies are an essential element for the development of the agricultural and livestock industry in Spain. This aid is aimed at being the economic engine of some territories where Bankia has a large presence", said Gonzalo Blanco, director of Commerce and Freelancers, in charge of Bankia's agricultural business.

"For all of this, it is a strategic industry for Bankia. We understand the concerns of its professionals, we provide answers to their questions, and financial advice and we offer them the most appropriate products in each case", added Blanco.

Branches and specialised advisors

Bankia has more than 370 branches specialised in the agricultural and livestock industry, all of them located in areas with a significant agricultural industry.

These offices have human teams experienced in the processing of subsidies, which offer farmers and ranchers the options that best suit their needs.

The commercial initiative is another step in Bankia's commitment to the agricultural business, which has financial solutions geared towards agricultural activity. In addition to the PAC subsidy advances, the bank offers financing of agricultural insurance, subsidised gas oil cards, the Agro-Supply and Agro-Investment loans, and the Agro-food, ICO Lines and foreign trade lines, among others.

The entity also offers a wide range of agricultural insurance products to ensure that the main source of income for farmers is secure, including the possibility of financing the cost of the premium under advantageous conditions.

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