Bankia : The company submits a presentation about the results for the second quarter of 2016.

22 July 2016

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1. 1H 2016 Highlights

1. 2Q 2016 Results

2. Asset quality and risk management

3. Liquidity and solvency

4. Conclusions

   1H 2016 Highlights

   1

   COMMERCIAL POSITIONING

   • New commercial strategy consolidates

   • Major advances in digitalization and multi-channel strategy

• Net profit is up 3.5% compared to 1Q16, despite a complex environment

• Net profit 1H16: €481mn

• NPLs reduced by €1.2 bn in the first half

• NPL ratio at 9.8% at close of 1H16

  4

  CAPITAL

• 63 bps of capital generation in the half-year (Fully Loaded)