Business risks

Employer talking for the mobile phone
  • Contracting of currencies in Bankia Online Business

Bankia covers the risk of exchange rate of your operations in currency

For payments related to imports and charges derived from exports


  • At any time, via Bankia Online Business
  • In a sure and immediate way
  • Enquiry the historic one of made contractings
  • Online download the supporting document of each contracting

We are specialists in companies

  • Bankia offers your custom-made products company for the management of interest rate risk of your financings.

  • We have a wide range of products and strategies designed customised that they allow limiting the risk of exchange rate in the markets of spot, forward and of options. In addition, can contract easily your exchange insurances and changes of counted in Oficina Internet Empresas.

  • Protects the personal heritage of the managers social when dealing with claims for damages caused to the society, to the shareholders or to third parties that it are consequence of errors of management.

  • Insurance set aside for covering damages that can suffer the company after a catastrophe or the public liability in which can incur, protecting thus, theritage of the company and the continuity of your activity.

  • It ensures economic disservices derived from the obligation of the company to compensate as a result of the public liability in which have incurred for caused damages to third parties mediating blame or negligence.

  • Saving system long-term forecast with significant tax advantages both for the company and for the employees.

  • The most flexible solutions, always in line with the collective workers' agreement or equivalent provision, and ensuring proper disclosure of the company's legal obligations to its staff in the event of death or permanent disability.

  • An early retirement system provides solutions for excess staff, when they are older, creating a series of complements to the state pension fund with the aim of upholding employees' wage levels.

We offer your company other products

  • Pension Plans of Employment

    Saving system long-term forecast with significant tax advantages both for the company and for the employees.

  • Health Groups' insurances

    Protects your employees' health with a health complete guarantee.

  • Insurance of Credit

    It allows the companies that they sell to credit to cover its sales against the default risk.

  • Which are the available measured principals in Bankia of business forecast?

    In Bankia we have pension plans of employment.

    A pension plan of employment is a system of saving-forecast long-term promoted by a SME or company for its employees. To be shareholder of a pension plan of employment that it promotes a developer, the essential requirement, is the existence of working relationship with that developer.

  • What tax advantages has pension plans of employment?

    Pension plans of employment enjoy a favourable tax payment:

    • For the company: contributions that carries out the company are a deductible expenditure in the Corporation tax, although is essential that are attributed fiscally, those contributions, to the worker.
    • For shareholders: the contributions of the developer increase the contribution basis to the Social Security Institute. The contributions received from the developer have a neutral effect in the basis of assessment of the Personal income tax (contributions are attributed fiscally as an earned income but in turn reduce the basis of assessment of the PERSONAL INCOME TAX in the same amount). On the other hand, the contributions made by the shareholder reduce the basis of assessment of the PERSONAL INCOME TAX. The total of the contributions/contributions has a limit of 8,000euros. The tax deduction will be the minor of these two amounts: the contributed amount (with a limit of 8,000 euros) or the 30 % of net yields of the work and economic activities.
    • Contributions that can not be object of reduction for exceeding the relative limit of the 30 % will be able to be reduced in the 5 following exercises.
  • Which are the principals derived from Bankia?

    The principals derived from interest rate that markets Bankia are Caps and IRS or Swaps.