terms languages section english espa ol english end of language section util section home accessibility contact customer service sitemap branches and atms social networks rss end of util section jump main menu . go directly to the main content acces key s start of main menu who we are shareholders and investors responsible management communication customers end of main menu start of main content bfa bankia earnings 2q 2016 bankia earns 481 million euros in year to june bfa bankia eba stress test results goirigolzarri today the shareholders the taxpayers can be confident of the bank s soundness press releases 04 october 2016 goirigolzarri bankia is boosting online sales by 50 % year on year 03 october 2016 bankia s new big data platform recognised at the computerworld 2016 awards see all press releases assessment of the eba stress test results bfa bankia results goirigolzarri we are very satisfied because they show our capacity to withstand a very severe hypothetical deterioration in the economy bankia joins the dow jones sustainability index responsible management the bank is recognized as one of the most sustainable companies in the world . this index evaluates the financial environmental and social performance of different companies . become a client register oficina internet sign in customer service end of main content share start of content who we are get an overview of bankia . get to know our organisation our executives our values our brand . about us origin bankia is a financial group in spain with a leading position in lending and in management of customer funds . key figures see key facts about the bank . factsheet bankia s factsheet mission vision and values bankia s mission vision and values organisation board of directors basic information about the people on the bankia board of directors who are responsible for its management governance and representation . management committee basic information on the people responsible for managing bankia . business areas principal activities carried on by bankia and its group . commercial network the brand identity bankia is the trade name for the financial institution created from the merger of seven savings banks sponsorship bankia is working to advance a corporate project based on firm principles giving support to diverse social actions and initiatives in the world of sports culture and business . agreements housing social fund agreement bankia contributes 1 000 properties to the housing social fund strategic plan strategic plan 2012 2015 goirigolzarri we have a bank that is financially sound and we are going to focus on making it profitable because that is the best way to reward our shareholders and ensure that taxpayers recover their investment . aid repayment shareholders and investors all of the information that may interest you as shareholder or investor earnings material disclosures our trading price corporate governance and remuneration policy board of directors functions policies and principles that guide the actions of the persons on the company s highest decision making body . board committees members and responsibilities of the committees set up by the board of directors . organisational structure general meeting of shareholders the general meeting is the highest decision making body in the company in relation to the matters reserved to the competence of the shareholders . suitability evaluation procedure annual corporate governance report this document gives a detailed description of the structure and functioning of bankia s governing bodies . director s remuneration document containing the directors remuneration policy . framework agreement the framework agreement between banco financiero y de ahorros s.a. and bankia s.a. was signed on 22 june 2011 to regulate the relations between bfa and the companies in its group . bylaws the articles that govern the internal functioning of the company bankia s.a. from the rights and obligations of shareholders to the functions of the board of directors . board of directors regulations set of rules that establish the principles guiding the actions of the board of directors of bankia the basic norms for how the board functions and rules of conduct for its members . general meeting regulations these regulations lay down the basic principles governing bankia general meetings as well as the rules of procedure for calling and holding the meetings . shareholders agreements the execution renewal or amendment of agreements between shareholders must be immediately notified to the company and to the spanish securities regulator cnmv which will publish it as a material disclosure . anti money laundering bankia s.a. has approved a policy for the prevention of money laundering and terrorist financing that establishes internal rules and procedures in line with the international standard on these matters . usa patriot act the usa patriot act certificate is required of foreign banks that maintain correspondent accounts with us financial institutions . code of ethics and conduct bankia group employees are bound by a code of conduct grounded in the general principles of acting honestly impartially and professionally and in the best interest of the customers when performing their management duties . bankia rules of conduct attending and participating in the general meeting regulations on incompatibilities risk management and control policy on information and communication director selection policy remuneration policy economic and financial information financial reports annual reports and quarterly reports and public reporting to other regulators . annual banking report the annual banking report meets the disclosure requirements of article 87 and of the twelfth transitional provision of law 10 2014 of 26 june 2014 on regulation supervision and solvency of credit institutions bfa bankia annual reports these reports describe the milestones the bank has achieved information of prudential relevance documents with information of prudential relevance . presentations presentations given by bankia at various events and corporate presentations with key information on our bank . disclosures to other regulatory bodies ratings bankia has received credit ratings from standard & poor s and fitch ratings . issues information on bankia s securities issues . issue prospectuses information on the bankia issue prospectuses . average period for payment to suppliers material disclosures material disclosures submitted to spain s securities regulator the comisi n nacional del mercado de valores cnmv by bankia . the share share price real time information on the current trading price of bankia . dividend share capital at present bankia s share capital stands at 11 517 328 544 euros . shareholder structure equity analysts the top equity analysts who follow and publish recommendations on bankia s shares . significant holdings and treasury shares significant holdings in the share capital of bankia significant equity interests held by bankia in other publicly traded companies and own shares held as treasury stock . public tender offers information on public tender offers . calendar information to be taken into account by bankia shareholders . shareholder corner benefits for shareholders take advantage of the exclusive benefits available to shareholders who own 1 000 or more shares of bankia . faqs frequently asked questions and answers on topics of interest to shareholders . subscription to the newsletter previous newsletters refund of investments during ipo contact contact info for shareholders investors and analysts . responsible management professionalism integrity commitment closeness and focus on achievement are the bankia guiding principles . a sustainable bank our principles see full information on the bank s principles and commitments . corporate governance committed to the best governance practices . corporate integrity the code lays down the values that the bankia group must follow in its relations with employees customers suppliers and society as a whole . business model more business greater commercial capacity higher productivity per employee more lending fewer recurring doubtful assets and lower costs . all these factors have combined to generate higher than expected profits and boosted the market s confidence in bankia . smes retailers & self employed customers bankia is determined to increase new lending . lending is the fundamental means of obtaining revenues and improving profitability and hence indispensable for a bank . stakeholders dialogue with stakeholders a fundamental requirement in the process of constantly improving the bank is to listen to its stakeholders . this attentive listening is giving rise to many initiatives . customers bankia has created a new commercial model to provide customers with more efficient higher quality service . better products and personalised solutions with clear and transparent information suited to the different needs of different customers . employees nurturing the talent of staff forms the backbone of the bank s people management policy . training and a focus on performance are some of the ways this goal is achieved . suppliers shareholders and investors in its commitment to listen to the main stakeholders bankia pays special attention to the concerns and needs of its shareholders . society bankia carries on a sponsorship and social action policy designed to strengthen the three basic pillars on which relations between the bank and society rest commitment closeness and focus on achievement . environmental management bankia sees measuring the environmental footprint of its activity as fundamental and works proactively to mitigate any such effects . it focuses efforts on the environmental management of its work centres boosting eco efficiency in the use of natural resources supporting the fight against climate change and fostering environmentally responsible attitudes among staff suppliers and customers . society social investment housing and new poverty education employability disabled people local and rural development corporate sponsorship volunteer en acci n suppliers profile of suppliers procurement policy supplier service department supplier portal case studies certifications environment collaboration with stakeholders tackling climate change eco efficiency environmental risk management management systems documents and initiatives see the policies and institutional initiatives to which bankia is committed and the most recent documents and reports published . communication communication is a pivotal part of the bankia corporate strategy . in the news press releases all current news on bankia . indicators subscribe to the latest news about bankia service that allows you to receive press releases meeting calls and bankia information of interest by e mail . calendar information on upcoming events of interest . press kits multimedia material images updated galleries of downloadable images . videos updated galleries of videos . studies and publications financial glossary terminology commonly used in financial world . contact contact info for the bankia communications department . customers code of good practices mortgage debtors code of good practices mortgage debtors arbitration for preferred securities fatca crs sareb legal advice acces key bulletin board acces key privacy acces key security acces key cookie policy acces key mifid acces key rates and charges acces key fees interest rates and exchange rates acces key bankia s.a. 2016 . spain . all rights reserved .