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Factsheet

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Bankia's business is focused on individuals and companies with a growing commitment to multichannel

Ibex 35

Bankia is a financial entity that is listed on a hundred domestic and international stock markets.

4th largest entity in the financial sector

By volume of assets, Bankia is the fourth bank in the country, leader in Madrid, Comunidad Valenciana,  Islas Baleares, Región de Murcia, La Rioja and Islas Canarias.

Responsible management model

Bankia is present in the main sustainability indices: DJSI Europe, Euronext Vigeo, FTSE4Good, S&P Dow Jones Indices, Ethibel y Bloomberg Gender Equality Index.

Multichannel business

Bankia's business model is a multichannel one, focused on private and corporate banking. It boasts a broad network of offices, teller machines and digital channels.

COMMITMENT TO THE ODS

Bankia’s strategy is centred on promoting a transition towards a low-carbon economy and implementing responsible, sustainable banking.

Bankia factsheet ODS 4

SDG 4

TARGET 4
Quality education

ODS 8

SDG 8

TARGET 8
Decent work and economic growth

ODS 11

SDG 11

TARGET 11
Sustainable cities and communities

ODS 13

SDG 13

TARGET 13
Climate action

ODS 17

SDg 17

TARGET 17
Partnership for the goals

José Ignacio
Goirigolzarri Tellaeche
Executive Chairman

José
Sevilla Álvarez
Chief Executive Officer

Antonio
Ortega Parra
Executive Director and General Manager of People, Resources and Technology

Carlos
Egea Krauel
Other External

Joaquín Ayuso García

Joaquín
Ayuso García
Independent Director 

Francisco Javier
Campo García
Independent Director 

Eva
Castillo Sanz
Lead Director

Jorge
Cosmen Menéndez-Castañedo
Independent Director

José Luis
Feito Higueruela
Independent Director

Fernando
Fernández Menéndez de Andés
Independent Director

Laura
González Molero
Independent Director

Antonio
Greño Hidalgo
Independent Director

Nuria Oliver Ramírez

Nuria
Oliver Ramírez
Independent Director

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

David López

David
López Puig
Deputy General Director of People and Culture

Carlos Torres

Carlos
Torres 
Deputy General Director of Transformation
and Digital Strategy

Eugenio Solla

Eugenio
Solla Tomé
Deputy General Director of Retail Banking

Fernando
Sobrini Aburto
Deputy General Director of Asset Management
and Investees

Amalia
Blanco Lucas
Deputy General Director of Communication
and External Relations

Gonzalo
Alcubilla Povedano
Deputy General Director of Business Banking

Leopoldo Alvear

Leopoldo
Alvear Trenor
Deputy General Director of Financial Management

Manuel Galarza

Manuel
Galarza Pont
Deputy General Director of Credit Risks

Professionals

16,035
PROFESSIONALS WORKING IN BANKIA
AT THE END OF 2019

9,014
WOMEN

7,021
MEN

100%
OF PROFESSIONALS HAVE A PERMANENT CONTACT

100%
OF  BANKIA EMPLOYEES ARE ENTITLED TO VARIABLE REMUNERATION

100%
OF BANKIA EMPLOYEES ARE COVERED BY A COLLECTIVE AGREEMENT

99.97%
OF BANKIA EMPLOYEES RECEIVE CONTRIBUTIONS FROM THE BANK IN THEIR PENSION PLAN

SHAREHOLDER STRUCTURE

173,949
SHAREHOLDERS
3,070Mn
SHARES

61.8%
BFA

23.07%
FOREIGN
INSTITUCIONAL

9.05%
RETAIL

6.09%
SPANISH INSTITUCIONAL

*Update at 12/31/2019

Strategic Plan

In 2018 Bankia presented its Strategic Plan for 2018-2020, in which it aims to progress in efficiency and cost control, reinforcing the quality of its balance sheet and improving business.

EFFICIENCY AND COST CONTROL 2018 2019 Strategic Plan Objective
Synergies (millions euros) 130 220 190
CUSTOMERS 2018 2019 Strategic Plan Objective
  Retail Banking/Business Retail Banking/Business Retail Banking/Business
Satisfaction 86.9% / 93.6% 90.3% / 93.6% 92% / 95%
DIGIZATION 2018 2019 Strategic Plan Objective
Digital clients (percentage of total clients) 45.4% 53.3% 65%
Digital sales 25.8% 36.0% 35%
CREDIT FEES AND HIGH-VALUE PRODUCTS 2018 2019 Strategic Plan Objective
Mortgage fees  13.22% 12.46% 12.6%
Company stock quota 7.42% 7.83% 7.7%
Stock consumption quota 5.58% 6.08% 6.6%
Investment fund fees 6.55% 7.05% 7.2%
MIX STOCK OF CREDIT NOT DOUBTFUL 2018 2019 Strategic Plan Objective
Housing 64% 61% 58%
Consumption 4% 5% 5%
Companies and promoter 31% 34% 37%
BALANCE QUALITY 2018 2019 Strategic Plan Objective
Cumulative reduction in non-performing assets (million euros)1 5,900 8,400 8,900
NPL Ratio 6.5% 5.0% 3.9%
Coverage rate 54.6% 54% ~56%

(1) Accumulated non-performing assets reduction since December 2017.

Business

Bankia's multichannel business model specializes in private and corporate banking, where customers are at the core of the strategy. The mainstays of this are people and technology. The ultimate goal of our bank management is customer satisfaction.

Areas influence Bankia 2019

90.3%
CUSTOMER SATISFACTION INDEX (RETAIL BANKING)

94.7%
CUSTOMER SATISFACTION INDEX COMPANIES WITH THE BUSINESS CENTER

Market share

MARKET SHARE IN TURNOVER

9.70%
 

MARKET SHARE IN OFFICES

9.54%
 

MARKET SHARE IN CARD INVOICING

11.94%
 

MARKET SHARE IN RISK INSURANCE

6.55%
 

MARKET SHARE IN MORTGAGES

12.46%
 

MARKET SHARE IN HOUSEHOLD CREDIT

10.91%
 

MARKET SHARE IN HOUSEHOLDS

11.01%
 

MARKET SHARE IN INVESTMENT FUNDS

7.05%
 

MARKET SHARE IN INDIVIDUAL PENSION PLANS

7.93%
 

Volume in Financing and Asset Management

VOLUME OF FINANCING GRANTED TO INDIVIDUALS

5,276
Millions euros

VOLUME OF FINANCING GRANTED
TO SMEs

3,456
Millions euros

VOLUME OF FINANCING GRANTED TO FREELANCERS

230.2
Millions euros

VOLUME OF FINANCING GRANTED TO COMPANIES

12,629
Millions euros

BANKIA'S BUSINESS VOLUME IN PRIVATE BANKING

7,313
Millions euros

VOLUME OF ASSETS MANAGED IN INVESTMENT FUNDS

19,497
Millions euros

VOLUME OF ASSETS MANAGED IN PENSION PLANS

8,243
Millions euros

Multichannel Commercial Network

UNIVERSAL OFFICES

1,656
 

BRANCH OFFICES

374
 

AGILE OFFICES

125
 

PRIVATE BANKING OFFICES

16
 

'CONNECT WITH YOUR EXPERT' MANAGERS

571
 

AUTOMATIC TELLER MACHINES

5,361
 

MOBILE OFFICES

14
 

BANKIA ONLINE USERS

3,217,298
 

BANKIA ONLINE COMPANY USERS

191,190
 

BANKIA APP USERS

2,881,310
 

€Mn 2019 2018 Dif. %
Net interest income 2,023 2,049 -1.3%
Net fee and commission income 1,081 1,065 1.5%
Net trading income 298 411 -27.4%
Other income -157 -157 -0.2%
Gross income 3,245 3,368 -3.6%
Operating expenses -1,817 -1,870 -2.9%
"Core" Result (1) 1,287 1,244 3.5%
Preprovision profit 1,428 1,498 -4.6%
Financial and non financial asset provisions -482 -417 15.8%
Other provision and other results -190 -161 18.3%
Profit before tax 756 920 -17.9%
Profit attributable to the Group 541 703 -23.0%

(1) "Core" Result: NII + net fee and commission income - operating expenses.

SOLVENCY

13.02%
CET1 FULLY LOADED

14.33%
CET1 PHASE IN

AID REPAYMENT

3,303
MILLIONS EUROS

Acción social factsheet

SOCIAL INVESTMENT
€22.1Mn

SUPPORTED FOUNDATION AND ASSOCIATIONS
846


PEOPLE BENEFITED FROM SOCIAL ACTION
608,499

 

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