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Business model and structure

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AFTER INTEGRATING BMN, THE GROUP CONSOLIDATED ITS POSITION AS SPAIN’S FOURTH LARGEST FINANCIAL INSTITUTION AND MOVED AHEAD IN MULTI-CHANNEL DISTRIBUTION.

The completion of the integration of BNM confirmed Bankia’s status as the fourth largest financial group in Spain, with a countrywide market share of more than 10%.

Bankia’s activity is carried out through the following business areas: Retail Banking, Company Banking, Private Banking, Bancassurance, Asset Management and Capital Markets. The activity is carried out through the branch network, made up of different types of branches, and the digital channels.

Bankia has 1,741 full-service branches, together with 130 agile branches and 392 perimeter branches (around the agile branches), among others.

In 2018, the group also expanded its multi-channel distribution, reaching a total of 3.2 million digital customers, after adding a further 530,000 during the year. By year-end, 25.8% of Bankia’s sales were made through digital channels.

Along similar lines, Bankia increased the number of ‘Conecta con tu Experto’ branches to 60 and the number of ‘+Valor’ branches to 13.

As of year-end, the bank’s market share in Spain was 8.69% in number of retail branches, 13.23% in mortgages, 11.47% in credit to households, 11.22% in household deposits and 11.29% in card revenue.

Bankia had a year-end market share of 6.53% in the risk insurance business, 6.55% in mutual funds and 8.17% in personal pension plans.

Between January and December 2018, Bankia ATMs recorded more than 265 million transactions. During the year, 989 new ATMs were installed, bringing the total at the end of 2018 to 5,407.

Meanwhile, over the course of 2018, Bankia’s 11 “ofibuses” mobile branches, which offer customers in towns and villages with no bank branch all the usual banking transactions, served 13,487 people in the 341 municipalities covered by this service.

BUSINESS VOLUME

MARKET SHARE BY AUTONOMOUS COMMUNITY

* Data as of September 2018.
* Market shares of loans and receivables + deposits, excluding repos.
* Market shares of deposit-taking institutions.
* Source: Banco de España


10.12%
TOTAL MARKET SALE
IN SPAIN

MARKET SHARES

PHYSICAL BRANCHES

Nº of full-service branches (traditional) 1,741
Nº of perimeter branches 392
Nº of agile branches 130
Nº of recovery centres (specialised in arrears) 30
Nº of business centres 64
Nº of corporate banking branches 3
Nº . of private banking branches 16


2,376
TOTAL Nº OF PHYSICAL BRANCHES

MULTICHANNEL DISTRIBUTION

ATMs 5,407
New ATMs installed during the year 989
Transactions carried out through ATMs 265,025,163
ATMs with NFC technology 3,939
Adapted ATMs (audio system) 4,860
ATMs in low populations areas 535

MUNICIPALITIES WITH A BANKIA BRANCH

PERCENT OF MUNICIPALITIES WITH A BANKIA BRANCH

DISTRIBUTION OF RETAIL BRANCHES BY POPULATION CENTRE

< 2.000 inhabitants 7.29%
<= 5.000 inhabitants 6.81%
<= 10.000 inhabitants 7.91%
<= 20.000 inhabitants 7.69%
<= 50.000 inhabitants 12.42%
<= 100.000 inhabitants 10.69%
<= 5000.000 inhabitants 24.22%
> 500.000 inhabitants 22.98%
TOTAL GENERAL 100%


498
NUMBER OF BRANCHES IN LOW POPULATION AREAS

MOBILE BRANCHES

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