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Report BFA - Bankia 2015 / 2015 milestones

Bankia ends 2015 with a clean balance sheet, capital well above the regulatory mínimum and the highest profit of any spanish bank.

  • Fully loaded CET 1 ratio: 12.26% (+166 basis points). Far higher solvency ratio that required by regulators.
  • NPL ratio: 10.8% (-2.1 pp). NPLs down 3.55 billion euros in 12 months.
  • New loans: 16.6 bn (+12.5%).
  • Customer funds up 3.8 bn euros.
  • Customer satisfaction score: 82.4% (+2.2 pp).
  • Bankia signs agreement with Sabadell and Euro 6000 to provide its customers with access to a network of 17,808 ATMs under great terms.
  • Bankia charges non-customes lowest commissions to use its ATMs of any of the large Banks.
  • Completion of 2012-2015 Strategic Plan, with all objectives fulfilled.
  • European Commission’s demands in the restructuring plan met two years ahead of schedule.
  • Bank’s first ever dividend pay-out, totalling 202 million euros, and proposal to distribute a further 302 million euros with a charge to 2015 profits – an increase of 50%.
  • Return on equity: 10.6% (+2 percentage points) highest of the largest Spanish Banks.
  • BFA Group posted earnings of €4.08 bn over the three-year period.
  • Attributable profit: €1.04 bn, +39.2%.
  • Efficiency ratio: 43.6%. The most efficient of Spain’s big Banks.