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Contribution to the SDG

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The Sustainable Development Goals (SDGs) are an initiative promoted by the United Nations, which, together with the 10 principles of the UN Global Compact, are the pillars of Bankia’s policies and Responsible Management strategy.

Bankia has assessed its contribution to the 169 SDGs, taking into account its activity and mission as a financial institution and the important issues for its stakeholders. It has also taken into account the progress made by Spain in each SDG, as reflected in the Spanish Action Plan for the 2030 Agenda.

Bankia SDG

The result of this analysis has allowed us to identify how Bankia’s activity makes a priority contribution to six of the 17 SDGs (7, 8, 9, 10, 16 and 17). In addition, the entity focuses on contributing to the SDGs of Sustainable Cities and Communities (SDG 11), Responsible Consumption (SDG 12), Gender Equality (SDG 5) and Quality Education (SDG 4). It also assumes and promotes the SDG for Climate Action (SDG 13) as a necessary global challenge for society as a whole.

In this way, Bankia's contribution to the SDGs can be classified into five blocks of activity: sustainable finance, financial inclusion, sustainable cities, equality and diversity and strong institutions and alliances.

Sustainable Finance

Bankia Objetive SDG 7 Affordable and clean energy

Objective: to guarantee access to affordable, reliable, sustainable and modern energy for all

Bankia is committed to sustainability in its business model and is working for growth with full respect for the environment, which is why it has developed a 2017-2020 Eco-efficiency and Climate Change Plan with specific objectives and indicators that set the path for achieving one of the objectives of the 21st century: the neutrality of CO2 emissions in 2050.



Million euros
invested in environmental matters


Of the energy
consumed at Bankia is green


saved thanks to energy efficiency measures

Direct contribution to the SDG


  • 7.2. By 2030, the proportion of renewable energy in all energy sources will increase considerably.
  • 7.3. By 2030, double the global rate of improvement in energy efficiency.
  • 7.4. By 2030, increase international cooperation to facilitate access to research and technology related to clean energy, including renewable sources, energy efficiency and advanced and less polluting fossil fuel technologies, and to promote investment in infrastructure energy and clean technologies.



  • Renovation of air conditioning equipment, with an investment of 3.6 million euros, which has meant an emission reduction of 10.4%.

  • In its main emblematic buildings, Bankia has certified management systems, ISO14001:2015.

  • The bank has financed one of the largest photovoltaic plants in Europe.

Bankia Objetive SDG 13Action for Climate

Objective: to take urgent measures to combat climate change and its effects

Bankia, like the rest of the financial industry, plays a key role in the transition towards a low-carbon economy with important opportunities around financing and investment in projects and companies that drive the challenges linked to climate change. Bankia has created the Sustainable Financing Business division to increase and promote sustainable products and services.



  • to the Principles of Responsible Banking and to the Collective Commitment to Climate Action.


Tn CO2
avoided thanks to the purchase of green energy between 2013 and September 2019.



  • for support for reforestation and conservation projects of native fauna and flora

Direct contribution to the SDG


  • 13.2. Incorporate climate change measures into national policies, strategies and plans.
  • 13.3. Improve education, raise awareness and human and institutional capacity regarding climate change, adapting to it, reducing its effects and early warning.


  • Adherence to the recommendations of the TCFD.
  • Adherence to the collective initiative on Climate Action.
  • Adherence to RE100 and the climate action platform of the Ministry for Ecological Transition.
  • Launch of environmental calls.
  • Development of sustainable products and services for individuals and companies.


  • Bankia avoided the emission of 39,800 tons of CO2 thanks to the purchase of green energy with a guarantee of origin.
  • Bankia avoided the emission of 39,800 tons of CO2 in 2018 thanks to the purchase of green energy with a guarantee of origin.
  • More than 500,000 euros invested in environmental calls and projects for reforestation and conservation of native wildlife.

Financial inclusion

Bankia Objetive SDG 8 Decent work and economic growth

Objective: to promote sustained, inclusive and sustainable economic growth, full and productive employment and decent work for all

Bankia provides decent employment, guaranteeing decent conditions for both its professionals and its value chain, boosting entrepreneurship and technological innovation. Through various programs, it offers employment projects with special focus on vulnerable groups: women, young people, the unemployed, differently-abled people and migrants.



for loans to SMEs.


Direct beneficiaries
of the employment and job placement projects carried out in 2018.


Local SMEs
are Bankia’s suppliers.

Direct contribution to the SDG


  • 8.2. Achieving higher levels of economic productivity through diversification, technological innovation and modernisation, among other, by focusing on sectors with high added value and intensive use of the workforce.
  • 8.3. Promote growth-oriented policies that support productive activities, the creation of decent jobs, entrepreneurship, creativity and innovation.
  • 8.5. By 2030, achieve full and productive employment and decent work for all women and men, including young people and people with disabilities, as well as equal pay for work of equal value.
  • 8.8. Protect labour rights and promote a safe and risk-free working environment for all workers, including migrant workers, particularly migrant women and people with precarious jobs.


  • Promote innovation, responsible management and energy efficiency among SMEs and freelancers through free help and diagnosis tools.
  • Conduct business seminars to promote R&D across the nation.
  • Boosting the employability of vulnerable people through programs with Cáritas, the Red Cross and the Randstad Foundation.
  • Bankia extends its responsible commitment policies to its supply chain with the application of best ethical, social and environmental practices to establish long-term relationships with its suppliers.


  • More than 6,300 direct beneficiaries of employment investment projects, of which 1,400 clients have been supported through the “Networked Employment” program, which focuses on training and driving the return to the job market.
  • More than 550 professionals promoted internally in the last year, 41% of them women.
  • Provide SMEs with the necessary resources to undertake the investment projects they require through pre-designed financing. In 2018, 30,742 credit operations were carried out for SMEs, for an amount of 4.596 billion euros.
  • Reduce payment periods to our suppliers to less than 30 days.
  • Bankia is recognised as a “Socially Responsible Company with its Workforce” by the Diversidad Foundation and the Alares Foundation.

Bankia Objetive SDG 4 Education and Quality

Objective: to ensure inclusive and equitable quality education and to promote lifelong learning opportunities for all.

Bankia has a firm commitment to the training and financial education of Spanish society, an inclusive and quality education that promotes the knowledge and skills necessary for better personal and professional management, as well as improving access to employment and entrepreneurship.



Million euros
invested in education projects in 2018.


allocated to the Dualiza Call for proposals that promote vocational training projects.


of social investment
allocated to education in 2018.

Direct contribution to the SDG


  • 4.3. By 2030, ensure equal access for all men and women to high-quality technical, professional and vocational training, including university education.
  • 4.4. By 2030, the number of young people and adults who have the necessary skills, particularly technical and professional skills, to gain access to employment, decent work and entrepreneurship has increased considerably.


  • Improving the employability of young people through the different actions carried out by the Bankia Foundation for Dual Training. Especially in those professional sectors with the highest demand by companies.
  • Promotion of innovation and entrepreneurial culture among vocational training students and dual vocational training, valuing their role in processes of change, digital transformation and innovation within companies.
  • Bankademia, creation of a new financial education ecosystem with practical and current information on finance and economics.
  • Offer vocational, academic and personal guidance programs for young people in social exclusion through internationally recognized entities and NGOs.
  • BlogBankia, a blog about the economy, finance, SMEs and the self-employed.


  • 264 schools supported, 558 companies benefited and more than 3,600 students trained in 2019.

  • To be the first European bank in the European Alliance for Apprenticeships.

  • Ten online courses through Bankademia with knowledge in basic finance, housing, home economics, SMEs, etc.

  • More than 1,000 posts published and a monthly average of 144,000 visits to the BlogBankia.

Bankia Objetive SDG 10 Reduction of inequalities

Objective: to reduce inequality in and between countries

Bankia’s commitment to its surroundings is focused on improving society and alleviating existing inequalities through programs that promote employment, training, help to disadvantaged groups, social inclusion of differently-abled people and support for rural areas to prevent depopulation, giving access to their financial services and promoting innovation and improving agricultural and livestock facilities. In addition, internally, Bankia is firmly committed to the equality and diversity of its employees, which are defined in its Equality Plan.



to which the Bankia Mobile Office provides financial service.


Million euros
invested in promoting social inclusion through Bankia’s Social Action.


Foundations and NGOs
supported in 2018.

Direct contribution to the SDG


  • 10.2. Promote the social, economic and political inclusion of all people, regardless of their age, gender, disability, race, ethnicity, origin, religion or economic situation or other condition, by 2030.
  • 10.3. Guarantee equal opportunities and reduce inequality of outcomes, including eliminating discriminatory laws, policies and practices and promoting appropriate legislation, policies and measures in this regard.
  • 10.4. Adopt policies, especially fiscal, wage and social protection policies, and progressively achieve greater equality.


  • Guarantee equal opportunities through our Equality Plan and our Diversity Plan.

  • Facilitate access to financial services to more than 370 rural municipalities through the Bankia Mobile Offices, reaching 250,000 people living in these towns.

  • Implement social and environmental projects with more than 800 NGOs in Spain.

  • Offer a wide range of specific financial products to boost the agricultural and livestock industry.


  • More than 600,000 beneficiaries of Social Action in 2018.

  • Provide access to financial services for more than 250,000 people, who live in rural areas, thanks to Bankia's Mobile Offices service.

  • Bankia promotes the subcontracting of companies that employ people with disabilities and supports social entities that work for their job placement by investing more than 1.4 million euros during 2018.

Sustainable cities

Bankia Objetive SDG 9 Innovation and sustainable infrastructure

Objective: to build resilient infrastructure, promote inclusive and sustainable industrialisation and foster innovation

Bankia promotes investment and financing of key sectors to achieve emission neutrality by 2050 and actively contributes to the construction of infrastructures, both physical and digital, that promote economic growth and environmental and social improvement. In this environment, technology and digital transformation are fundamental pillars for finding sustainable solutions.



Million euros
in technological investment between 2018 and 2020.

FEI Innovfin

New line of financing
to promote innovation for SMEs and self-employed workers.


presented their projects to the 5th Bankia Fintech call in 2019, the largest fintech innovation program in Spain.

Direct contribution to the SDG


  • 9.1. Develop reliable, sustainable, resilient and quality infrastructure, including regional and cross-border infrastructure, to support economic development and human well-being, with special emphasis on affordable and equitable access for all.
  • 9.4. By 2030, modernise infrastructure and make industries sustainable, using resources more efficiently and promoting the adoption of clean and environmentally sound industrial processes and technologies, and ensuring that all countries take measures according to their capabilities.
  • 9.5. Increase scientific research and improve the technological capacity of industrial sectors in all countries, particularly developing countries, including fostering innovation and considerably increasing the number of people working in research and development by 2030 per million inhabitants and public and private sector research and development expenses.


  • Addressing digital transformation from a responsible approach, giving priority to privacy and proper management of customer data.
  • Launch of Bankia Fintech, accelerator for new companies and the largest open innovation centre in Spain.
  • Creation of an Innovation Observatory that allows anticipating changes and customer needs.
  • Promoting business innovation with the sponsorship of events such as the 'Digital Competitiveness Awards', the 'Comprendedor Awards', the 'Bankia Accelerator by Conector' call or the 'Innova Pyme' and 'Spain Startup South Summit' forums.


  • 1 billion invested in digital transformation, of which more than half will be used to improve processes and channels.
  • Successful call for startups: 173 projects submitted to the 5th Bankia Fintech call in 2019.
  • Development of blockchain projects, artificial intelligence, roboadvisoring, etc.
  • Implementation of a new line of business financing with the European Investment Fund “FEI Innovfin” focused on financing innovation projects.
  • 20 million euros allocated to a fund created to invest, in five years, in fintech projects developed by financial startups.

Bankia Objetive SDG 11 Sustainable cities and communities

Objective: to make cities and human settlements inclusive, safe, resilient and sustainable

Bankia promotes investment and financing of projects and services that improve the quality of life and sustainability of cities, while also providing financing so that citizens can access adequate and safe basic housing and services.



for the granting of 'green mortgages'.


million euros
invested in foundations and associations that support local and rural development programs.


Social and affordable housing
for vulnerable people.

Direct contribution to the SDG


  • 11.1. By 2030, ensure access for all people to adequate, safe and affordable housing and basic services and improve neighbourhoods with less resources.
  • 11.2. By 2030, provide access to safe, affordable, accessible and sustainable transport systems for all and improve road safety, particularly through the expansion of public transport, paying special attention to the needs of people in vulnerable situations, women, children, people with disabilities and the elderly.
  • 11.3. By 2030, increase inclusive and sustainable urbanisation and the capacity for participatory, integrated and sustainable planning and management of human settlements in all countries.
  • 11.4. Redoubling efforts to protect and safeguard the cultural and natural heritage of the world.
  • 11.5. Support positive economic, social and environmental links between urban, peri-urban and rural areas, strengthening national and regional development planning.


  • Promote the construction of sustainable housing and sustainable loans for individuals and companies.
  • Offer financial solutions and green loans to promote alternative transport and sustainable mobility.
  • Develop rural support programs to boost employment and rural depopulation.
  • Through our sponsorships, we support activities in the cultural, sports or business sectors.


  • Bankia and the EIB launch a pioneering line of 300 million euros in Europe for the granting of green mortgages, for the construction of sustainable housing.
  • We launch sustainable loans to improve energy efficiency in homes and the purchase or renting of hybrid and zero-emission vehicles.
  • Implementation of social emergency programs in the event of natural disasters and/or restoration of heritage.
  • 38% of Bankia's social investment in 2018 was allocated to rural support projects to boost local employment and depopulation.
  • We invest more than 3 million euros in adaptation and reform of social housing for the most disadvantaged.

Bankia Objetive SDG 12 Responsible production and consumption

Objective: to ensure sustainable consumption and production patterns

Bankia promotes sustainability criteria in its consumption models and involves its suppliers, through the incorporation of environmental and social criteria, in the contracting and purchasing processes. In addition to supporting circular economy projects through own waste management and through business support services.



Savings to optimise
the reduction of energy consumption in 2020.


of the paper
used in Bankia is recycled.


Reduced waste
on the total generated since 2016.

Direct contribution to the SDG


  • 12.2. By 2030, achieve sustainable management and efficient use of natural resources.
  • 12.5. By 2030, considerably reduce waste generation through prevention, reduction, recycling and reuse activities.
  • 12.6. Encourage companies, especially large companies and transnational corporations, to adopt sustainable practices and incorporate information about sustainability into their reporting cycle.


  • Implementation of an Eco-efficiency and Climate Change Plan with specific objectives and systems of indicators.
  • Make tools for sustainability, energy efficiency and responsible management available to SMEs and companies.
  • Programs for recycling office supplies, as well as programs for donating furniture and electronic and computer equipment to non-profit associations and schools.
  • Financing of initiatives that promote the recycling and efficient use of natural resources.


  • Extension of the environmental culture to the entire organisation through training and environmental awareness.
  • Reduction of the total waste generated by 2016 by 15.5%.
  • 72% of the vehicles in the bank’s fleet are hybrids.
  • Environmental management system in its most emblematic buildings (Madrid, Valencia, Logroño and Las Palmas) that makes them a benchmark in the field of efficient management.
  • Development of a project to optimise and modernise the offices, which has meant replacing more than 600 air conditioning units with more efficient ones and implementing remote management in more than 120 offices.

Equality and diversity

Bankia Objetive SDG 5 Gender equality

Objective: to achieve gender equality and to empower all women and girls.

Bankia promotes internally a business culture that fosters equality and the integration of women into positions of responsibility. Through its Diversity Plan, it designs mechanisms to empower women in management positions and promote talent development plans in clusters with specific actions for women.



positions held by women


of training given to women in 2018


that took a parental leave in 2018

Direct contribution to the SDG


  • 5.1. End all forms of discrimination against all women and girls around the world.
  • 5.5. Ensure the full and effective participation of women and equal opportunities for leadership at all decision-making levels in political, economic and public life.


  • Bankia has an Equality Plan and a Diversity Plan that guarantee the same opportunities for men and women in professional access and development.
  • The bank carries out various programs to promote female talent and generate an inclusive culture based on diversity.
  • Adherence to the "Diversity Charter - Spain”, which is part of the EU's Policies for Equality and Against Discrimination.
  • Incorporation of Bankia into Closingap, a reference platform for analysing the economic and social opportunity cost of gender gaps.
  • Adherence to the EJE&CON code of good practices for talent management and improving the competitiveness of companies.


  • 'Take the initiative' program focused on gender diversity, in which 20 directors of the commercial and central services network participate, which for 18 months are coached by directors of the bank's Top 300.
  • 'Equivalent' program, designed to raise awareness and generate debate regarding diversity in the organisation.


Strong institutions and alliances

Bankia Objetive SDG 16 Peace, justice and strong institutions

Objective: to promote peaceful and inclusive societies for sustainable development, to facilitate access to justice for all and to build effective and inclusive institutions that are accountable at all levels

For Bankia, promoting peace and inclusion requires promoting societies based on transparency and good governance, with responsible organisations that guarantee respect for human rights both in their own activity and throughout their value chain. Banking institutions play a fundamental role in the goals related to integrity, transparency and the prevention of corruption.



of the workforce
knows and has the obligation to comply with the Code of Ethics.


Evaluated according to ethical, social and environmental criteria.

Confidential channel

of complaints
for the internal detection of bad practices.

Direct contribution to the SDG


  • 16.5. Reduce corruption and bribery considerably in all its forms.
  • 16.6. Create efficient, transparent and accountable institutions at all levels.


  • Creation of a Code of Ethics and Conduct that is mandatory for the entire company.
  • Ongoing training on the entity’s obligations and ethical culture.
  • Commissioning of the Ethics and Conduct Committee of Bankia.
  • Creation of a Confidential Whistleblower Channel.


  • Bankia has developed a Management Style Book.
  • The entity has a Responsible Marketing Code.
  • Development of specific policies on Anti-Corruption, Tax and Human Rights.

Bankia Objetive SDG 17 Alliances to achieve the objectives

Objective: to revitalise the Global Alliance for Sustainable Development

For Bankia, the establishment of alliances is key for the exchange of knowledge, improving the technical capacity, technology and the promotion of projects that support the SDGs. In this regard, Bankia defends the interests of its stakeholders before the industry groups and public-private alliances in economic, social, environmental and good corporate governance matters.



International initiatives
Global Compact, Principles for Responsible Banking and UN Collective Climate Action Commitment.

2030 Agenda

National alliances with civil society agents
to promote the 2030 Agenda.


Million euros
to finance SMEs and mid-cap companies, as well as companies in the agricultural, agri-food, fishing and livestock industries.

Direct contribution to the SDG


  • 17.7. Encourage and promote the establishment of effective alliances in the public, public-private and civil society spheres, taking advantage of the experience and strategies for obtaining resources from the alliances.


  • Adherence to the Global Compact.
  • Adherence to the Principles for Responsible Banking and the UN Collective Commitment to Climate Action.
  • Alliances with different civil society agents: Spainsif, Forética, Fundación Alares, Fundación Ecodes, Fundación Seres, Fundación Corporate Excellence, Fundación LIMME, Sustainability Working Groups of CECA and CEOE.
  • Collaboration with public financial institutions such as ICO, EIB and Mutual Guarantee Societies (SGR) to finance SMEs and companies.


  • Be part of the main working groups and associations that promote a sustainable business model within organisations. (Corporate, Spainsif, Forética, etc.).
  • Carry out and promote initiatives that foster sustainability in organisations and business models among customers and other stakeholders.

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