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Business model and structure

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BANKIA OPERATES THROUGHOUT SPAIN, WITH A FOCUS ON RETAIL AND BUSINESS BANKING.

AFTER THE MERGER WITH BMN, BANKIA IS THE FOURTH LARGEST PLAYER IN THE SPANISH FINANCIAL SECTOR. 

With 8.1 million customers, it is the market leader in six of Spain’s regions, which together account for 38% of the country’s GDP: Madrid, Valencian Community, Balearic Islands, Region of Murcia, La Rioja and Canary Islands.

At year-end, Bankia had 1,709 retail branches, added to which were 697 from BMN, giving the bank a retail branch market share of 8.78% at the end of September.

Insurance premiums written in 2017 were 116.2 million euros (79.2 million Bankia and 37 million BMN).

Bankia had a market share of 9.52% in household deposits (11.38% including BMN) and 5.8% in mutual funds (6.38% after the merger with BMN).

The share of credit to households was 9.72% at the end of December 2017 (11.92% with BMN).

And the share of personal pension plans was 7.03% (increasing to 8.17% if BMN is included).

As of September 2017, the share of card revenue was 9.41% and the share of risk insurance, 4.48%.

At 31 December, Bankia had an installed base of 5,016 ATMs, plus the 1,070 from the BMN network.

BANKIA’S AREAS OF INFLUENCE

BANKIA’S AREAS OF INFLUENCE

MARKET SHARES (EX-BMN)

PHYSICAL BRANCHES
No. of retail branches 1,709
No. of full-service branches (traditional) 1,166
No. of perimeter branches 330
No. of agile branches 129
No. of plus+ branches (advice) 46
No. of recovery centres (specialised in arrears) 35
No. of developer branches 3
No. of Business Banking branches 63
No. of business centres 61
No. of corporate banking branches 2
No. of Private Banking branches 13
MULTICHANNEL APPROACH
Multichannel customers 2,297,945
Oficina internet users 1,912,040
Oficina internet for businesses users 162,101
Oficina móvil users 1,824,290
“Connect with your expert” users 52
“Más valor” branches 7

PERCENT OF MUNICIPALITIES WITH A BANKIA BRANCH

DISTRIBUTION OF RETAIL BRANCHES BY POPULATION CENTRE

< 2,000 inhabitants 4.73%
<= 5,000 inhabitants 5.21%
<= 10,000 inhabitants 7.06%
<= 20,000 inhabitants 5.80%
<= 50,000 inhabitants 11.43%
<= 100,000 inhabitants 11.67%
<= 500,000 inhabitants 22.,68%
> 500,000 inhabitants 31.42%
TOTAL GENERAL 100%

OFIBUSES

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