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

This document has been prepared by Bankia, S.A. ("Bankia") and is presented exclusively for information purposes. It is not a prospectus and does not constitute an offer or recommendation to invest.

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of Bankia, all of which are subject to internal approval by Bankia.

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This document includes, or may include, forward-looking information or statements. Such information or statements represent the opinion and expectations of Bankia regarding the development of its business and revenue generation, but such development may be substantially affected in the future by certain risks, uncertainties and other material factors that may cause the actual business development and revenue generation to differ substantially from our expectations. These factors include i) market conditions, macroeconomic factors, government and supervisory guidelines, ii) movements in national and international securities markets, exchange rates and interest rates and changes in market and operational risk, iii) the pressure of competition, iv) technological changes, v) legal and arbitration proceedings, and vi) changes in the financial situation or solvency of our customers, debtors and counterparties. Additional information about the risks that could affect Bankia's financial position, may be consulted in the Registration document approved and registered in the Official register of the CNMV.

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1. Highlights 9M 2016

1. 3Q 2016 results

2. Asset quality and risk management

3. Liquidity and solvency

4. Conclusions

Improvement in customer satisfaction

With growth in consumer finance and lending to businesses

Continuing to increase multichannel customers

Strong development at "Connect with your expert"

Inclusion in the Dow Jones Sustainability Index

CET1 FL Ratio: 13.24%

Sep16

Maintaining our advantage in efficiency: 47.7%

9M16

Attrib. Profit: €731mn

9M16