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Bankia as an investment

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Bankia is a retail and corporate banking group with a strong national presence. With more than eight million customers, its market share by turnover is over 14% in the Comunidad de Madrid, Comunidad Valenciana, Región de Murcia, La Rioja, Islas Baleares and Islas Canarias, where it is a leader.

Bankia as an investment

Bankia as an investment

The bank has a solid corporate governance system that has merited the highest score in the ISS Governance QualityScore of the ISS proxy, one of the most influential proxies.

Bankia adheres to the Good Governance Code of Listed Companies and is fully compliance with all 58 of its recommendations.

The bank is managed by a Board of Directors, 69% of whose members are independent. All the directors, who have extensive experience in banks, financial markets and risk management, conduct themselves according to the highest ethical standards and in compliance with the bank’s Code of Ethics and Conduct.

The bank aims to be an exemplary sustainable bank by applying a Responsible Management Policy to guide the business, manage risks and seize opportunities.

Its track record in environmental, social and corporate governance management have earned it a place in the 'prime' category of the international analyst ISS ESG and enabled it to find a place on the main sustainability indices worldwide.

Since 2013, Bankia has adhered to the 10 Principles of the Global Compact. In 2019, it signed the UN Principles for Responsible Banking and its Commitment to Climate Action, and in 2020 it joined the UN Empowerment Principles for Women.

A solvent bank

Bankia has high levels of liquidity and solvency. The company carries liquid assets of 1.3 times its debt maturities and its solvency levels show a wide margin over the regulatory minimum of 8.38% required for 2020.

The organisation looks upon risk management as a strategic pillar that supports the Group’s sound financial and equity position, boosting value creation and business development according to its governing bodies’ risk appetite and risk tolerance levels.

These matters are supervised by an Internal Control Structure steered by the risk control and management policies defined by the Board of Directors. This body also approves the Risk Appetite and Risk Tolerance Framework, which, together with the Capital Planning Framework, defines the strategic lines of action regarding risks and capital in normal market situations. Both these processes guide Bankia when planning its activities and businesses.

The bank also have a Recovery Plan that establishes measures to take in a hypothetical crisis situation, which would be activated if the plan thresholds are exceeded.

All these measures enable the bank to generate year-on-year profits that allow it to improve shareholder remuneration. In the 2014-2019 period, Bankia distributed 1,872 million euros in dividends and returned 3,303 million euros to the State for financial aid received.

A digital future

Bankia is no stranger to digital transformation in the financial sector. Its 2018-2020 Strategic Plan includes a three-year €1 bn investment in technology. The bank also has a Technology and Innovation Commission within the Board of Directors to analyse issues like innovation, cybersecurity and data analytics.

Since 2016, Bankia has been collaborating with Bankia Fintech’s Innsomnia programme with Innsomnia, which has become Spain’s largest open innovation centre and has allowed numerous startups to work with the bank. In 2019, Bankia created Bankia Fintech Venture Fund, which will invest 20 million euros in fintech projects developed by financial startups during a five-year period.

Steadfast in its commitment to society

Bankia is a responsible organisation that identifies the main concerns of its immediate environment to generate wealth and to support underprivileged parts of society. The bank takes action in society to drive collaborative projects in areas like employment, local and rural development, the environment, disability and housing and new poverty.

One of Bankia's priorities is to continue its youth education initiatives, which is why it created the Fundación Bankia por la Formación Dual to promote dual training in 2013. Bankia is the first European financial institution to join the European Apprenticeship Training Alliance (EAFA), and is the only Spanish bank to have its own Dual Training project.

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