Who we are

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We take a principle-based approach in order to provide you with the best banking service

Our values

Professionalism
We contribute knowledge, experience and rigour.

Integrity
Proud of our behaviour.

Commitment
With our heart in Bankia.

Closeness
We build environments of trust.

Focus on Achievement
We insist on achieving goals.

STRATEGIC PLAN 2018-2020

What do we aspire to achieve?

We want to be the best bank in Spain

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

>12%

Solvency
CET1 FL

>11%

Profitability
ROTE

1,300

million euros
Profit

1,000

million euros
Tecnology

ORGANISATION

Board of Directors
Management Committee

José Ignacio Goirigolzarri Tellaeche Executive Chairman

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

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

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 Executive Director

Executive Director

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 Lead Independent Director

Lead 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 in March 2016 he was appointed as Lead Director. He is chairman of the Appointments and Responsible Management Committee and a member of the Remuneration Committee and the Audit and Compliance Committee. He has served also chairman of the Monitoring and Supervision Committee for the Process of Merger of Bankia and Banco Mare Nostrum.

Francisco Javier Campo García Independent Director

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 Risk Advisory Committee and a member of the Board Risk Committee and the Appointments and Responsible Management Committee. He has served also member of the Monitoring and Supervision Committee for the Process of Merger of Bankia and Banco Mare Nostrum.

Eva Castillo Sanz Independent Director

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 Remuneration Committee and member of the Board Risk Committee and Risk Advisory Committee. She has served also member of the Monitoring and Supervision Committee for the Process of Merger of Bankia and Banco Mare Nostrum.

Jorge Cosmen Menéndez-Castañedo Independent Director

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 Audit and Compliance Committee and Remuneration Committee.

José Luis Feito Higueruela Independent Director

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

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, Appointments and Responsible Management Committee and Remuneration Committee. He has been a member of the Board of Directors of BFA Tenedora de Acciones, S.A.U. and a member of its Audit and Compliance Committee and its Appointments and Remuneration Committee.

Laura González MoleroIndependent Director

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.

Antonio Greño Hidalgo Independent Director

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. He has served also member of the Monitoring and Supervision Committee for the Process of Merger of Bankia and Banco Mare Nostrum.

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

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

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

Miguel Crespo Rodríguez General Secretary and Deputy General Director of the General Secretariat

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

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

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

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

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

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

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

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

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 Executive Director

Joaquín Ayuso García Lead Independent 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

Commitment

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.

Key figures

Profit attrib. Group

703
million euros

Dividend

340
million euros

Ratio CET1 Fully Loaded*

12.51%
*Post fusion with BMN

Gross income

662
million euros

Social investment

€19,33
million euros

Shareholders

184,643

Digital customers

45.4%

Independent directors

66.7%

Government aid repaid

€2,864
million euros

Customers satisfaction

88.2%

Business areas

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.

Retail banking

Business banking

Private banking

Bancassurance

Asset management

Real-estate assets

Multichannel commercial network

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.

2,297,945 Multichannel customers

1,912,040

users of the online banking service

162,101

users of online banking business

1,824,290

users online mobile banking service

2,298

physical offices

2,301

ATM's

‘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 take a principle-based approach in order to provide you with the best banking service.

Contact

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91 602 46 80