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Who we are
Who we are
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Trustworthy and honest with clients, institutions and colleagues.
We care about the needs of our customers, whom we always listen to.
We apply transparency and accountability in each and every one of our actions.
We are firmly committed to all our goals.
We undertake ambitious projects that help us grow as a company.
We work with agility and effectiveness in achieving our goals.
What do we aspire to achieve?
Our goal is to be the best bank in Spain in terms of efficiency, solvency and profitability, to ensure the sustainability of the Bankia project and to create value for our shareholders. This will allow us to improve our results and achieve, in 2020, a profit of 1,300 million euros, a cash dividend payout of 45%-50% and the return of capital above 12% CET1 FL.
Distribution to our shareholders
>2,500 million euros Payment of dividends and return of surplus capital
<47%
Efficiency
Efficiency ratio
1,300
million euros
Profit
1,000
million euros
Tecnology
- Board of Directors
- Management Committee
José Ignacio Goirigolzarri Tellaeche Executive Chairman
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Executive Chairman
José Ignacio Goirigolzarri Tellaeche
Born in 1954, Mr. Goirigolzarri holds a degree in Economics and Business Studies from the Universidad Comercial de Deusto (Bilbao). Finance and Strategic Planning from the University of Leeds (United Kingdom). He is chairman of Bankia and of BFA, Tenedora de Acciones, S.A.U. since 9 May 2012.
José Sevilla Álvarez Chief Executive Officer
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Chief Executive Officer
José Sevilla Álvarez
Born in 1964, Mr. Sevilla holds a degree in Economics and Business Studies from CUNEF. He is Chief Executive Officer of Bankia and chairman of the Board Risk Committee. He is also a member of the Board of Directors of BFA, Tenedora de Acciones, S.A.U.
Antonio Ortega Parra Executive Director
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Executive Director
Antonio Ortega Parra
Born in 1947, Mr. Ortega has a PhD in Business Studies from the Antonio de Nebrija University and holds a degree in Law from the Universidad Nacional de Educación a Distancia. He is general director of People, Resources and Technology at Bankia since 16 May 2012. He is a member of the Board of Directors of BFA, Tenedora de Acciones, S.A.U. since June 2012.
Carlos Egea Krauel Other External
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Other External
Carlos Egea Krauel
Born in 1947, he has an Industrial Engineering degree from Escuela Técnica Superior de Ingenieros Industriales de Madrid and a PhD in Economics and Business from Universidad Autónoma de Madrid.
Joaquín Ayuso García Independent Director
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Independent Director
Joaquín Ayuso García
Born in 1955, Mr. Ayuso holds a degree in Civil Engineering from Universidad Politécnica de Madrid. He is a member of the Board of Directors of Bankia and he has been Lead Director until Marcha 2019. He is chairman of the Risk Advisory Committee and a member of the Appointments and Responsible Management Committee and the Remuneration Committee.
Francisco Javier Campo García Independent Director
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Independent Director
Francisco Javier Campo García
Born in 1955, Mr. Campo holds a degree in Industrial Engineering from Universidad Politécnica de Madrid. He is a member of Bankia’s Board of Directors, chairman of its Remuneration Committee and a member of the Appointments and Responsible Management Committee and the Audit and Compliance Committee.
Eva Castillo Sanz Independent Director
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Independent Director
Eva Castillo Sanz
Born in 1962, Ms. Castillo holds a degree in Law and Business Studies from Universidad Pontificia de Comillas (E-3) in Madrid. She is a member of Bankia’s Board of Directors since May 2012, chairs its Appointments and Responsible Management Committee and member of the Board Risk Committee and Risk Advisory Committee.
Jorge Cosmen Menéndez-Castañedo Independent Director
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Independent Director
Jorge Cosmen Menéndez-Castañedo
Born in 1968, Mr. Cosmen holds a degree in Business Administration and an Master MBAi from Instituto de Empresa. He is a member of the Board of Directors of Bankia and of its Remuneration Committee.
José Luis Feito Higueruela Independent Director
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Independent Director
José Luis Feito Higueruela
Born in 1952, Mr. Feito holds a degree in Economics and Business from Universidad Complutense de Madrid. He is a member of the Board of Directors of Bankia and of its Audit and Compliance Committee since June 2012.
Fernando Fernández Méndez de Andés Independent Director
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Independent Director
Fernando Fernández Méndez de Andés
Born in 1956, Mr. Fernández holds a doctorate in Economics. He is a member of the Board of Directors of Bankia and of its Board Risk Committee, Risk Advisory Committee and Audit and Compliance Committee. He has been a member of the Board of Directors of BFA Tenedora de Acciones, S.A.U.
Laura González MoleroIndependent Director
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Independent Director
Laura González Molero
Born in 1965, Ms. González holds a degree in Pharmacy, specializing in Industrial Pharmacy, from the Complutense University in Madrid, an Executive MBA from the IE Business School, Higher Course in Marketing from the CECO and in innovation in IMD Lousanne. She is a member of the Board of Directors of Bankia and of its Appointments and Responsible Management Committee and Remuneration Committee.
Antonio Greño Hidalgo Independent Director
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Independent Director
Antonio Greño Hidalgo
Born in 1956, Mr. Greño has a degree in Business Science and is a Certified Public Accountant. He is a member of the Board of Directors of Bankia and chairman of the Audit and Compliance Committee, having been appointed the committee’s Financial Expert and member of the Risk Advisory Committee.
Miguel Crespo Rodríguez General Secretary and Deputy General Director of the General Secretariat
David López Puig Deputy General Director of People and Culture
Carlos Torres García Deputy General Director of Transformation and Digital Strategy
Eugenio Solla Tomé Deputy General Director of Retail Banking
Fernando Sobrini Aburto Deputy General Director of Investees and Asset Management
Amalia Blanco Lucas Deputy General Director of Communication and External Relations
Gonzalo Alcubilla Povedano Deputy General Director of Business Banking
Leopoldo Alvear Trenor Deputy General Director of Financial Management
Manuel Galarza Pont Deputy General Director of Credit Risks
José Ignacio Goirigolzarri Tellaeche Executive Chairman
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Executive Chairman
José Ignacio Goirigolzarri Tellaeche
Born in 1954, Mr. Goirigolzarri holds a degree in Economics and Business Studies from the Universidad Comercial de Deusto (Bilbao). Finance and Strategic Planning from University of Leeds (United Kingdom). He is chairman of Bankia and of BFA, Tenedora de Acciones, S.A.U. since 9 May 2012.
José Sevilla Álvarez Chief Executive Officer
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Chief Executive Officer
José Sevilla Álvarez
Born in 1964, Mr. Sevilla holds a degree in Economics and Business Studies from CUNEF. He is Bankia’s CEO and chairs the Board Risk Committee. He also belongs to the Board of Directors of BFA, Tenedora de Acciones, S.A.U. and to its Audit and Compliance Committee.
Antonio Ortega Parra Executive Director and General Manager of People, Resources and Technology
cerrar
Executive Director and General Manager of People, Resources and Technology
Antonio Ortega Parra
Born in 1947, Mr. Ortega has a PhD in Business Studies from the Antonio de Nebrija University and holds a degree in Law from the Universidad Nacional de Educación a Distancia. He is general director of People, Resources and Technology at Bankia since 16 May 2012. He is a member of the Board of Directors of BFA, Tenedora de Acciones, S.A.U. since June 2012.
Miguel Crespo Rodríguez General Secretary and Deputy General Director of the General Secretariat
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General Secretary and Deputy General Director of the General Secretariat
Miguel Crespo Rodríguez
Born in 1961, Mr. Crespo holds a Law Degree from the Universidad Complutense de Madrid and is qualified as a State Attorney. He has been General Secretary of Bankia since April 2011.
David López Puig Deputy General Director of People and Culture
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Deputy General Director of People and Culture
David López Puig
Born in Las Palmas de Gran Canaria in 1971, he has a degree in Economics and Business Studies from the University of Las Palmas de Gran Canaria. He has worked in both local and multinational companies and spent time at Arthur Andersen.
Carlos Torres García Deputy General Director of Transformation and Digital Strategy
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Deputy General Director of Transformation and Digital Strategy
Carlos Torres García
Born in Madrid in 1961, he has a Degree in Economics from the Complutense University of Madrid and a Master’s degree in Financial Management from IE Business School.
Eugenio Solla Tomé Deputy General Director of Retail Banking
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Deputy General Director of Retail Banking
Eugenio Solla Tomé
Born in Huelva in 1976, he has a degree in Business Administration and Management from the Colegio Universitario de Estudios Financieros (CUNEF), a Master’s Degree in Credit Institution Management from UNED ,and an Executive MBA from IESE.
Fernando Sobrini Aburto Deputy General Director of Investees and Asset Management
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Deputy General Director of Retail Banking
Fernando Sobrini Aburto
Born in 1963, Degree in Law and Business Studies and Economics. He joined the Bank in 1998, serving as South Madrid Business director and head of the bank's corporate business.
Amalia Blanco Lucas Deputy General Director of Communication and External Relations
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Deputy General Director of Communication and External Relations
Amalia Blanco Lucas
Born in 1961, Ms. Blanco holds a degree in Law and in Business Administration (Icade-E3) from Universidad Pontificia de Comillas. She has been general director of Communication and External Relations of Bankia and member of the bank's Management Committee since May 2012.
Gonzalo Alcubilla Povedano Deputy General Director of Business Banking
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Deputy General Director of Business Banking
Gonzalo Alcubilla Povedano
Born in 1968, Degree in Economics. His entire career has been pursued at the Bank, where he has served as director of the Investment Portfolio, director of Corporate Banking, director of Corporate Finance.
Leopoldo Alvear Trenor Deputy General Director of Financial Management
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Deputy General Director of Finantial Management
Leopoldo Alvear Trenor
Born in Madrid in September 1971, he has a degree in Economics and Business. Alvear joined the corporate finance area at Coopers & Lybrand (later PwC) in 1996, where he remained until 2005, becoming Senior Manager of Corporate Finance, heading mergers and acquisitions, business valuations and strategic consultancy.
Manuel Galarza Pont Deputy General Director of Credit Risks
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Deputy General Director of Credit Risks
Manuel Galarza Pont
Born in 1971 in Valencia, he holds a degree in Economics and Business and the Extraordinary Award from the University of Valencia. He also completed a Senior Executive programme at ESADE and has lectured on several senior management and MBA programmes, including ESADE.
Carlos Egea Krauel Other External
Joaquín Ayuso GarcíaIndependent Director
Francisco Javier Campo García Independent Director
Eva Castillo Sanz Independent Director
Jorge Cosmen Menéndez-Castañedo Independent Director
José Luis Feito Higueruela Independent Director
Fernando Fernández Méndez de Andés Independent Director
Laura González MoleroIndependent Director
Antonio Greño Hidalgo Independent Director
Bankia is firmly committed to sponsoring activities that help better our society in the worlds of culture, sports and business.
The Bankia brand represents a value proposition that commits us to society in our striving for closeness, simplicity and transparency.
Profit attrib. Group
575
million euros (Sep 2019)
Dividend
357
million euros
Ratio CET1 Fully Loaded*
13%
(Sep 2019)
Gross income
2,546
million euros (Sep 2019)
Social investment
€20,9
million euros (2018)
Shareholders
178,374
(Sep 2019)
Digital customers
51.4%
(Sep 2019)
Independent directors
66.7%
(2018)
Government aid repaid
€3,083
million euros
Customers satisfaction
90.3
(Sep 2019)
The business model is focused on our more than
8 million customers
with the firm purpose of adapting ourselves to your needs and providing you with the best service.
Bankia is a commercial bank that offers its services through the full range of channels: branch offices, "Ofibus" travelling branches, online and mobile banking, etc.
3,303,798 Multichannel customers
2,525,217
users of the online banking service
187,380
users of online banking business
2,922,978
users online mobile banking service
11
‘Ofibus’ travelling branches
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Bankia is a spanish bank that is included in the Ibex 35. It operates throughout Spain, with a universal banking business model based on multi-channel management and specialized in serving individuals and businesses. At Bankia, we work from the principles of being society’s bank of choice.
© Bankia S.A., 2019. Spain. All rights reserved.
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91 602 46 80
