Slide 1


Annual results presentation


2015


1 February 2016



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Contents


1. Highlights of the year


  1. 2015 results


  2. Asset quality and risk management


  3. Liquidity and solvency


  4. Completion of Strategic Plan 2012-2015


Highlights of the year 2015: the year of consolidation of our franchise…


1 2

COMMERCIAL ACTIVITY


Productivity growth

+ 3.5% annual increase in lending to businesses and consumers


3

ASSET QUALITY


€3.5bn reduction in NPLs vs. Dec14

Coverage ratio: 60.0% (vs. 57.6% Dec14)


10.6%* ROE

EFFICIENCY AND

PROFITABILITY

2015 Efficiency ratio: 43.6%

+ 39.2% attributable profit vs. 2014


4 SOLVENCY


166 bps of BIS III FL capital generation in the year


…with the plan´s targets achieved


*

ROE without deducting in 2015 provisions arising from IPO contingency (€184 million)

Bankia SA issued this content on 01 February 2016 and is solely responsible for the information contained herein. Distributed by Public, unedited and unaltered, on 01 February 2016 08:26:22 UTC

Original Document: http://www.bankia.com/recursos/doc/corporativo/20160113/ingles/04-02-4q15-results-presentation-analistas-vf72299.pdf