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Report BFA - Bankia 2015 / Who we areBusiness model and structure

Bankia specialises in providing services to individuals and companies, especially SMEs and the self-employed. It operates in Spain, with its business concentrated in the Autonomous Community of Madrid, Autonomous Community of Valencia, Canary Islands, Castile-Leon and Castile-La Mancha.


  • RETAIL BRANCHES
    8.9%
  • CONSUMER LOANS
    10.45%
  • DEBIT CARDS(1)
    12,2%
  • LIFE INSURANCE
    5,1%
  • PENSION PLANS
    6,6%
  • INVESTMENT FUNDS
    5,44%
  • BUSINESS LOANS
    14,0%

(1)Figures at September 2015. Source: Bank of Spain, June 2015

Activities

 

Offices distribution

Regional head offices

Business banking

 

Distribution of retail banking branches

 

Retail Banking Branches: 1,941
  • Full-service branches (traditional): 1,254
  • Partial-service branches (with morning and afternoon opening times): 462
  • Agile branches (transactional bank, open until 6PM): 135
  • Plus+ branches (advice): 52
  • Recovery centres (specialising in non-performing assets): 21
  • Settlement centres: 14
  • Developer offices: 3

Business Banking Branches: 63

  • Business centres: 61
  • Corporate banking centres: 2

Private Banking Centres: 13

  • Barcelona: 1
  • Madrid: 4
  • Valencia: 1
  • Rest of Spain: 7

ATM replacements between start 2013 and December 2015: 3,026

Total ATMs at December 2015: 5,516

Number of ATMs in less populated areas: 607


Bankia's atms allow users to perform up to 51 different operations and handled 241.68 million euros last year. 

Distribution of workforce

 

Employees*: 13,318

  • Average age: 43.32
  • Years' service at the group: 17.51
  • Women: 7,251
  • Men: 6,067

*Figures for Bankia, S.A.

MARKET SHARE BY PROVINCE

Customers by population size
Population Dec. 2013 Dec. 2014 Dec. 2015
<2,000 4.31% 4.45% 4.96%
<=5,000 6.62% 7.13% 6.18%
<=10,000 8.64% 9.63% 8.79%
<=20,000 6.84% 7.84% 7.22%
<=50,000 10.98% 12.93% 11.45%
<=100,000 14.11% 16.35% 15.05%
<=500,000 13.27% 15.74% 14.25%
>500,000 26.99% 29.78% 28.35%

National reach with high market shares in core areas

Bankia Branches

Percentage of municipalities with Bankia branches

 

People Distribution of the branch network
by population centre at 12/31/2015
<2,000 4.07%
<=5,000 4.53%
<=10,000 6.03%
<=20,000 5.31%
<=50,000 10.41%
<=100,000 11.85%
<=500,000 23.70%
>500,000 34.11%
TOTAL 100.00%

Number of branches in less populated areas 284

Number of ofibuses

 

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