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CaixaBank, S.A. (Catalan pronunciation: [ˌkaʃəˈbaŋ]), formerly Criteria CaixaCorp, is a Spanish multinational financial services company. CaixaBank is based in Valencia, with operations offices in Barcelona and Madrid. It is Spain's third-largest lender by market value, after Banco Santander and BBVA. CaixaBank has 5,397 branches to serve its 15.8 million customers, and has the most extensive branch network in the Spanish market.[1] It is listed in the Bolsa de Madrid and is part of the IBEX 35.

Key Information

The company consists of the universal banking and insurance activities of the La Caixa group, the telecommunications company Telefónica and its holdings in several other financial institutions.

CaixaBank has been designated as a Significant Institution since the entry into force of European Banking Supervision in late 2014, and as a consequence is directly supervised by the European Central Bank.[2][3]

History

[edit]

The firm was formed in 2007 as Criteria CaixaCorp, a publicly traded vehicle for La Caixa's shareholdings and investments in both industrial and financial services companies. At the time of its 2007 debut, the Criteria CaixaCorp initial public offering was the largest-ever in Spain.[4] The company was promoted to the IBEX 35 index in January 2008.[5]

A 2011 restructuring of the companies of the group saw Criteria renamed CaixaBank as La Caixa's banking and insurance activities were merged into it.[6] At the same time most of the industrial stakes held by Criteria (including Grupo Port Aventura, Grupo Agbar, Gas Natural, and Abertis) were transferred out of the firm to the new entity Criteria CaixaHolding, 100% owned by La Caixa.[7] CaixaBank retained stakes in Repsol YPF and Telefónica as well as all of its holdings in other financial services companies.

On 26 March 2012 CaixaBank announced its intention to merge with Banca Cívica, valuing Civica at €977 million. The merger was completed in the 3rd quarter of the year and created the largest bank in Spain.[8][9]

On 27 November 2012, CaixaBank announced its plan to buy the nationalized bank Banco de Valencia after Spain's bank restructuring fund FROB injected €4.5 billion into Banco de Valencia. The FROB also assumed losses of up to 72.5% for a period of ten years in certain assets held by Banco de Valencia.[10]

On 26 September 2013, CaixaBank approved the sale of its real estate unit Servihabitat to a joint venture between the bank and private equity fund Texas Pacific Group (TPG) for an initial price of €310 million. CaixaBank's parent company, financial group La Caixa, said it estimated it would bring in €317 million in capital gains from the deal.[11]

In June 2014 CaixaBank's Board of Directors appointed Gonzalo Gortázar as their new CEO, having approved the resignation by mutual consent of Juan María Nin as Deputy Chairman and CEO.[12] In his first interview since becoming CEO, Gonzalo Gortázar stated "There are a number of priorities for CaixaBank. The first one is dealing with the last legs of the crisis. We want to normalize the balance sheet and we want to normalize funding costs."[13]

On 6 October 2017, the bank announced its decision to move its legal headquarters to Valencia as a response to political uncertainty in Catalonia.[14] A few days later the bank decided to also move its fiscal domicile to Valencia.[15]

On 4 September 2020, it was confirmed that CaixaBank and Bankia were negotiating a potential merger. The merger would create the biggest domestic bank in Spain with assets under management of €650 billion.[16] The acquisition of Bankia by CaixaBank was finalised in spring 2021 and created the third-largest Spanish banking group.[17]

2008–2013 Spanish financial crisis

[edit]
Former Madrid headquarters on Paseo de la Castellana

The Fund for Orderly Bank Restructuring (FROB), a banking bailout and reconstruction program initiated by the Spanish government in June 2009, facilitated the merger between CaixaBank and Banco de Valencia on 27 November 2012.[18]

With competitors such as Banco Santander SA with 4,752 Spanish branches, CaixaBank announced it was conducting a "gradual process" of adjusting its branch networks on 9 January 2013.[19]

CaixaBank SA sold 13.1 billion pesos of shares in Grupo Financiero Inbursa SAB to both bolster trading in the Mexican lender controlled by billionaire Carlos Slim and replenish money lost amid Spain's property crash.[20]

Shareholders

[edit]

Following the merger of state-owned Bankia and private CaixaBank, Criteria Caixa (and, therefore, the "la Caixa" Foundation) held 30.012% of the bank. The Government of Spain, through the FROB and its company BFA Tenedora de Acciones, became a major shareholder of the company with 16.117%.[21]

As of February 2025,[22][23] both the Government of Spain and the "la Caixa" Foundation increased their participation, remaining as follows:

Investment portfolio (at 27 July 2019)

[edit]
Company % of share capital
Banco BPI 100%
SegurCaixa Adeslas 49.92%
Comercia Global Payments 49%
Coral Homes 20%
Sareb 12,24%
Erste Group 9.92%
Telefónica 5.019%

See also

[edit]

References

[edit]
[edit]
Revisions and contributorsEdit on WikipediaRead on Wikipedia

CaixaBank

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CaixaBank, S.A. is a Spanish multinational company headquartered in , with significant operations centered in , specializing in retail, corporate, and across and . Formed in 2011 through the spin-off of the banking arm of the historic savings foundation, which originated in 1904, CaixaBank has grown into 's leading provider by client base, assets, and retail products. As of mid-2025, it serves over 20 million customers through approximately 4,100 branches and a robust digital platform, employing around 46,600 staff, while managing total assets exceeding €659 billion and customer funds surpassing €717 billion. The group controls Banco BPI in , extending its European footprint, and has distinguished itself in , mobilizing over €67 billion in green initiatives by 2024, alongside pioneering digital innovations like imaginBank, 's first mobile-only bank. In the first half of 2025, CaixaBank reported a net profit of €2.95 billion, reflecting a 10.3% year-on-year increase driven by strong asset quality and customer fund growth.

History

Origins as La Caixa

The Caja de Pensiones para la Vejez y de Ahorros de Cataluña y Baleares, the predecessor institution to , was established on April 5, 1904, by Catalan lawyer Francesc Moragas Barret with the aim of promoting savings and among the to foster and security. Supported by various Catalan civil organizations, it pioneered social welfare initiatives alongside , including early forms of . The entity opened its doors to the public in 1905, initially establishing branches in major Catalan towns and cities, with its first outpost in the at . Early expansion emphasized regional accessibility and social objectives typical of Spanish cajas de ahorros, which operated as non-profit savings banks prioritizing depositor welfare over shareholder returns. By 1913, operations extended further into the through a dedicated entity, and in 1915, it merged with the smaller Caja de Ahorros del Empordà to consolidate its presence in northeastern . The headquarters opened in Barcelona's Vía Laietana in 1917, symbolizing institutional maturity, while 1918 saw the creation of an early welfare foundation arm, later evolving into broader philanthropic efforts. A 1930 merger with the Caja Rural para la Federación Católico-Agraria de further diversified its rural outreach. By 1935, the institution had achieved significant scale, operating 109 offices across its territories and capturing 59.5% of bank deposits in and 25.6% of total deposits in Spain's sector, reflecting robust growth driven by deposit mobilization and conservative lending practices amid economic volatility. This period solidified its role as a leading regional player, blending financial intermediation with social assistance, such as programs and support, which distinguished it from . The modern emerged in 1990 through the merger of this entity with the Caja de Ahorros y Monte de Piedad de (founded 1844), forming the Caja de Ahorros y Pensiones de , commonly known as La Caixa. This consolidation enhanced its competitive position in and the Balearics, preserving the model's emphasis on mutual ownership and public benefit while preparing for national expansion.

Formation of CaixaBank (2011)

In response to Spain's banking sector reforms enacted amid the 2008–2013 financial crisis, which mandated the separation of commercial banking activities from traditional savings banks (cajas de ahorros) to improve capitalization and governance, the board of directors of "la Caixa"—Spain's largest savings bank—announced a comprehensive group reorganization on January 27, 2011. This restructuring aimed to transfer "la Caixa"'s banking and insurance operations into a dedicated commercial entity, enabling access to equity markets for funding while preserving the parent entity's focus on charitable foundations. The plan involved Criteria CaixaCorp, S.A., "la Caixa"'s existing investment holding company established in 2007, which was repurposed and renamed CaixaBank, S.A., to house the spun-off assets effective for accounting purposes from January 1, 2011. The reorganization received formal approval at the Ordinary General Assembly of "la Caixa" on April 28, 2011, and at the Annual General Meeting of Criteria CaixaCorp, followed by regulatory clearances from the Bank of Spain and the National Securities Market Commission (CNMV). Under the terms, "la Caixa" contributed its credit institution operations—including a loan portfolio exceeding €200 billion, deposits over €150 billion, and a network of more than 5,000 branches—into CaixaBank, retaining an initial controlling stake of 81.1% post-listing, with a free float of 18.9% introduced to institutional and retail investors. This structure complied with Royal Decree-Law 11/2010, which required savings banks to either merge, convert to foundations, or externalize banking via subsidiaries to mitigate risks from real estate exposure and hybrid capital instruments. CaixaBank commenced full operations on July 1, 2011, coinciding with its debut trading on the and stock exchanges under the ticker CABK, marking the completion of the "" Group's transformation. At launch, the bank reported total assets of approximately €300 billion, positioning it as one of Spain's leading retail lenders with a focus on mortgages, consumer finance, and distribution. The entity shifted from the cooperative model of "" to a shareholder-driven , enhancing its ability to issue equity and amid tightening capital adequacy rules under precursors.

Impact of the 2008–2013 Spanish Financial Crisis

The Spanish financial crisis, triggered by the 2008 burst, severely impacted savings banks like due to heavy lending to developers and construction, which constituted a significant portion of their portfolios. , as one of Spain's largest cajas, held substantial exposure to the sector, mirroring the broader system's vulnerability where savings banks accounted for 57% of the credit expansion to in the pre-crisis boom. The collapse led to surging non-performing loans, prompting to ramp up provisions for loan losses, which eroded profitability starting in 2009. Unlike many smaller cajas that required government bailouts or forced mergers, avoided direct recapitalization from public funds, relying instead on its diversified assets—including industrial holdings through Criteria CaixaCorp—and stronger management. Net profits declined over four years from late , reflecting the strain from asset write-downs and economic contraction, but the institution maintained solvency without tapping into mechanisms like the Fund for Orderly Bank Restructuring (FROB). By 2013, following intensified provisioning and , CaixaBank—the commercial banking arm—reported €503 million in profits, signaling recovery amid ongoing sector cleanup. Regulatory reforms under the crisis response, including limits on savings foundations' direct bank ownership, drove 's restructuring. In January 2011, it transferred its banking operations to Criteria CaixaCorp, culminating in the June 2011 launch of CaixaBank as a fully listed entity to enhance capital flexibility and market access. This separation preserved the La Caixa Foundation's control via a stake while isolating commercial risks, positioning the group to consolidate as weaker competitors failed—CaixaBank emerged post-crisis with Spain's largest branch network.

Merger with Bankia (2020–2021)

On September 17, 2020, the boards of directors of CaixaBank and approved a merger plan by absorption, under which would be fully integrated into CaixaBank, resulting in the termination of without and the transfer of its assets, rights, and liabilities to CaixaBank. The all-stock transaction established an exchange ratio of 0.6845 new CaixaBank shares for each share, implying a valuation of approximately €4.3 billion for based on prevailing share prices. Shareholder approvals followed in late 2020, with Bankia's general meeting endorsing the merger on , creating Spain's largest domestic lender with combined assets exceeding €600 billion. CaixaBank's extraordinary general shareholders' meeting confirmed the deal two days later on December 3. The merger aimed to enhance scale amid competitive pressures in the Spanish banking sector, including post-crisis restructuring and the influence of guidelines on consolidation. Regulatory clearance was secured in early 2021, with Spain's National Markets and Competition Commission (CNMC) approving the operation on March 23 under phase I review, subject to conditions such as divestitures in certain retail segments to mitigate risks. Legal formalities concluded on March 26, 2021, enabling the merger's effective implementation and positioning the combined entity as Spain's leading by customer base and branch network. The transaction, involving state-owned , reflected ongoing government support for sector consolidation following the 2008–2013 bailouts.

Post-Merger Expansion and Developments (2022–Present)

Following the merger with , CaixaBank solidified its position as Spain's leading retail bank, achieving a 23.4% in loans to individuals and businesses by 2024. The bank reported record net attributable profits, reaching €5.79 billion in 2024, a 20.2% increase from €4.82 billion in 2023, surpassing targets outlined in its 2022–2024 Strategic Plan through higher lending income and fee growth amid elevated interest rates. This performance enabled €12 billion in shareholder returns via dividends and share buybacks over the 2022–2024 period. In November 2024, CaixaBank announced its 2025–2027 Strategic Plan, emphasizing business volume growth exceeding 4% —building on the prior period's approximately 2%—while targeting above 15% through sustained profitability and investments. A key component includes the "" initiative, allocating €5 billion to technology and process enhancements to drive and improvements. Domestically, the bank expanded lending capacity via a €900 million risk-sharing agreement with the in July 2025, aimed at financing small businesses and mid-caps for investment and liquidity needs. Internationally, CaixaBank signaled limited expansion ambitions, expressing in February 2024 its intent to divest its indirect stake in Angolan lender BFA rather than retain or grow exposure. In May 2025, it completed significant risk transfer transactions with to optimize capital for potential domestic consolidation amid rising merger activity in 's banking sector. The bank's customer base grew to over 18 million in , earning recognition as Europe's best bank for consumers and 's best bank in Euromoney's 2025 awards for its retail scale and profitability, with reaching 15.4% in 2024.

Ownership and Governance

Major Shareholders

Criteria Caixa, S.A., the holding company controlled by the Fundación Bancaria Caixa d'Estalvis i Pensions de Barcelona ("la Caixa"), is CaixaBank's largest shareholder, with a stake of 31.7% as of December 30, 2024. This ownership structure stems from the 2011 separation of the banking operations from the original savings bank foundation, which retained significant control through Criteria to ensure alignment with its social and charitable objectives. The foundation's stake provides strategic stability but has drawn scrutiny in regulatory discussions on banking concentration in Spain. The Spanish government holds the second-largest position at 18.3% through BFA Tenedora de Acciones, S.A.U., a state-controlled entity under the Fund for the Orderly Restructuring of the Banking Sector (FROB), as of December 30, 2024. This ownership originated from public bailouts during the 2008–2013 and was augmented by the 2021 absorption of , where the state had previously acquired a to stabilize the lender. Efforts to divest this stake have proceeded gradually, with partial sales in prior years, though it remains substantial, influencing and dividend policies amid fiscal recovery goals.
ShareholderOwnership PercentageDate
Criteria Caixa, S.A.31.7%Dec 30,
BFA Tenedora de Acciones, S.A.U.18.3%Dec 30,
No other individual or institutional investor exceeds 1% , with the balance dispersed among domestic and international funds such as (approximately 0.5–1%) and various pension funds. This fragmented free float, comprising over 50% of shares, supports liquidity on the but underscores the influence of the top two holders on major decisions, including mergers and capital allocation. shares represent a minor 0.083% as of May 16, 2025, used primarily for employee incentives and programs.

Corporate Governance Structure

CaixaBank's corporate governance framework distributes authority among the Annual General Meeting of Shareholders, the , and delegated committees, aligning with Spanish and the entity's internal regulations. The Annual General Meeting functions as the highest decision-making body, approving strategic matters such as annual accounts, dividend distributions, capital increases, and significant corporate transactions, while also electing directors and auditors. The holds primary responsibility for defining the bank's , overseeing , ensuring compliance, and protecting interests, convening at least eight times annually. As of March 2025, the Board comprises 15 members, categorized as (linked to major shareholders), independent (free from significant business ties), and executive, with nine independent directors representing 60% of the total to enhance objectivity and oversight. Key figures include Chairman Tomás Muniesa, independent Deputy Chairwoman María Amparo Moraleda, and executive Chief Executive Officer Gonzalo Gortázar Rotaeché, who manages daily operations under Board delegation. The structure emphasizes diversity in , experience, and age, with a majority of non-executive directors to balance control and expertise. To support specialized supervision, the Board has established committees with defined mandates and majority-independent memberships where required by policy. These include the Executive Committee for operational decisions; the Audit and Control Committee (3-7 members) for financial reporting integrity and internal audits; the Appointments and Sustainability Committee (3-5 members) for director nominations, , and ESG integration; the Remuneration Committee (3-5 members) for policies; the Risk Committee (3-6 members) for and mitigation; and the Innovation, Technology and Committee for strategic tech oversight. This committee-based model promotes rigorous, delegated accountability while adhering to principles of transparency, ethical conduct, and outlined in the Corporate Governance Policy.

Executive Leadership

The executive leadership of CaixaBank is primarily directed by its , who chairs the Management Committee and reports to the . The Board, chaired by a non-executive Chairman, oversees strategic direction, while the CEO handles day-to-day operations and implementation. As of 2025, the Chairman is Tomás Muniesa Arantegui, who assumed the role on 1 January 2025 following the resignation of José Ignacio Goirigolzarri. Gonzalo Gortázar Rotaeche has served as since 30 June 2014, when he was appointed by the Board following the of Juan María Nin. Born in in 1965, Gortázar holds dual degrees in and from Universidad Pontificia Comillas (ICADE). Prior to joining CaixaBank, he held senior roles at Investment Bank and BBVA, including as head of global banking for Iberia and at . His annual compensation for recent years totals approximately €2.69 million, comprising salary, bonuses, and other incentives. Under his leadership, CaixaBank has focused on , mergers such as with in 2021, and expansion in . Key members of the Management Committee supporting the CEO include Javier Pano Riera as , appointed in 2014, overseeing financial strategy, reporting, and ; and Luis Javier Blas Agueros as since 2019, responsible for operational efficiency, technology infrastructure, and processes. Additional executives in the committee handle specialized areas such as corporate and , led by Iñaki Badiola since 2018. The committee collectively drives CaixaBank's strategic plan, with a emphasis on profitability, , and amid Spain's competitive banking sector.

Business Operations

Core Banking Services in Spain

CaixaBank delivers services across , focusing on retail and small-to-medium enterprise (SME) segments through deposit-taking, lending, and facilitation. As 's leading retail by customer base, it manages deposits exceeding €200 billion and extends portfolios that include consumer loans and mortgages, supported by a hybrid model blending physical branches with digital channels. The institution maintains the country's largest distribution network, with 3,550 retail branches and 12,317 ATMs as of late , enabling widespread access to services like cash deposits, withdrawals, and basic transactions without fees at its own machines. To address depopulation in rural areas, CaixaBank extended operations to nearly 500 additional municipalities between and , utilizing 55 mobile branches and 35 dedicated ATMs in line with agreements from banking associations AEB, CECA, and UNACC. This serves over 20.3 million individual and business clients, emphasizing proximity in both urban and remote locations. Deposit products include current accounts with maintenance fees as low as €3 monthly for basic variants, offering debit cards for fee-free use and transfers, alongside savings options integrated with investment-linked features. Lending encompasses personal loans up to €15,000 for needs, fixed-rate mortgages like the CasaFácil Fijo 20 with nominal rates starting at 2.35% under promotional conditions, and SME financing through specialized business centers providing tailored credit lines and solutions. Payment services feature contactless cards, real-time transfers via SEPA, and mobile POS capabilities launched in 2023, allowing Android devices to process unlimited transactions without additional hardware. Digital integration enhances core offerings, with CaixaBank holding Spain's largest digital customer base and tools for remote account management, installment payments via introduced in 2024, and secure online loan applications, reflecting a shift toward multichannel service delivery while preserving traditional branch consultations for complex needs.

International Expansion and Subsidiaries

CaixaBank's international operations emphasize corporate and to support Spanish firms' global activities, rather than broad retail expansion outside Iberia. Its primary subsidiary abroad is Banco BPI, S.A., Portugal's fourth-largest by assets, where CaixaBank secured an 84.5% stake in February 2017 following a protracted process initiated in 2015. By May 2018, it acquired an additional 8.4% from Group and delisted BPI, achieving 100% ownership to consolidate control and integrate operations across the . This acquisition enhanced CaixaBank's revenue diversification amid domestic competition in . Beyond full ownership of BPI, CaixaBank maintains equity stakes in four international financial institutions focused on leadership in their markets, including Erste Group Bank AG for exposure to , enabling client accompaniment in those regions. It also offers services in to cater to institutional and high-net-worth clients seeking European fund domiciliation. To facilitate corporate expansion, CaixaBank operates seven branches in key markets: the United Kingdom (London), France (Paris), Germany (Frankfurt), Italy (Milan, opened March 2023), Portugal (Lisbon), Poland (Warsaw), and Morocco (Casablanca). These branches provide financing, trade services, and advisory, with recent emphasis on growing international corporate banking volumes. Complementing this, 17 representative offices span five continents, including locations in Brazil, Canada, Chile, Colombia, the United States, Peru, Algeria, and Egypt, primarily advising on foreign trade and local partnerships without full banking licenses. CaixaBank, as a Spanish bank, does not have an ABA routing number, which is assigned exclusively to U.S. financial institutions for domestic transfers. For international transactions, it utilizes the SWIFT/BIC code CAIXESBBXXX, which follows the standard ISO 9362 format: Positions 1-4: CAIX (bank/institution code for CaixaBank), Positions 5-6: ES (country code for Spain), Positions 7-8: BB (location code for Barcelona/head office), Positions 9-11: XXX (branch code for head office/main office), and IBAN format. The bank maintains a representative office in New York at 75 Rockefeller Plaza, 12th Floor, New York, NY 10019, functioning as a liaison office rather than a full banking branch. In 2022, these networks supported €23 billion in financing for Spanish companies' overseas activities, a 28% increase from the prior year.

Digital Banking and Technological Initiatives

CaixaBank has prioritized to enhance customer accessibility and operational efficiency, with its CaixaBankNow mobile application serving as a core platform for over 18 million retail customers in . The app enables users to view account balances, manage personal finances, execute transfers, pay bills, access investment products, and utilize options, incorporating biometric authentication and customizable alerts for enhanced and convenience. In 2025, the app received recognition from the Bank Administration Institute for innovation in , attributed to features like the AI-powered Neo chatbot, which provides conversational assistance for queries and transactions. CaixaBank's digital portfolio includes Imagin by CaixaBank, a mobile-only banking service that does not charge commissions for cash withdrawals at foreign ATMs (outside Spain) using the debit function on its cards (including debit, credit in debit mode, and MyCard), although the ATM owner may impose a fee; no changes to this policy have been announced as of 2026. Technological investments underscore CaixaBank's commitment to , with €1.368 billion allocated to and development in 2024, reflecting an 8.3% increase from the prior year to support infrastructure upgrades and digital tools. The bank's 2025–2027 strategic plan includes a €5 billion investment under the "Cosmos" initiative, focusing on , , and process to improve interactions and internal . Key AI advancements include the GalaxIA project launched in 2024 for generative AI deployment across operations, and a 2025 in-app AI agent that assists users in exploring financial products through interactions. In payment innovations, CaixaBank introduced an app feature in recent years converting compatible Android devices into portable point-of-sale terminals, compatible with Visa and Mastercard networks while maintaining equivalent security standards to physical devices. Blockchain applications have been integrated to streamline international trade transactions, complemented by big data infrastructure for analytics. Additionally, CaixaBank participates in collective initiatives for digital money tokenization, exploring programmable payment solutions as outlined in its 2024 innovation report. These efforts contributed to CaixaBank's designation as Europe's leading digital financial institution in The Banker Technology Awards 2025.

Financial Performance

CaixaBank's total assets expanded from €451.5 billion in 2020 to €680.0 billion in 2021, primarily due to the acquisition of , which integrated additional lending portfolios and customer deposits. Assets subsequently moderated to €598.9 billion in 2022 and €607.2 billion in 2023, reflecting optimization and exposure management amid fluctuating bond yields and deposit inflows. By mid-2024, total assets stood at €659.8 billion, supported by sustained customer funds growth to €717.7 billion. Net profit trends post-merger highlighted improved operational efficiency and interest rate tailwinds. In 2020, amid provisions, attributable net profit was €1.46 billion. This rose to approximately €3.68 billion in , bolstered by merger synergies, before stabilizing at €3.13 billion in 2022. Profits surged 53.9% to €4.82 billion in 2023, driven by expansion from ECB rate hikes and a 4.8% increase in performing loans. Early post-founding years (–) featured volatility, with net losses in 2012 (€1.46 billion) from impairments during Spain's sovereign , transitioning to modest profits by 2016 as restructuring concluded. Revenue, primarily from net interest and fee income, trended upward with scale. Annual revenue reached €15.24 billion in the to mid-2025, up from lower bases pre-merger, with net interest margins benefiting from deposit-cost advantages ( at 85%). exceeded 18% in 2023–2024, outperforming peers amid cost-to-income ratios below 40%. These trends underscore causal links between macroeconomic rates, merger integration, and disciplined provisioning, rather than isolated events.

Key Performance Metrics

In 2024, CaixaBank achieved a net attributable profit of €5.79 billion, representing a 20.2% increase from €4.82 billion in 2023. For the first half of 2025, net profit reached €2.95 billion, up 10.3% year-over-year. Total assets stood at €631.0 billion at the end of , expanding to €659.8 billion by , 2025. The performing portfolio grew 2.2% in , while customer funds increased 8.7% over the same period. Key profitability and efficiency metrics for the as of mid-2025 included a (ROE) of 15.7%, (ROTE) of 18.5%, (ROA) of 0.94%, and a cost-to-income ratio of 38.6%. The cost of risk remained low at 0.24%. Capital strength was evidenced by a Common Equity Tier 1 (CET1) ratio of 12.2% at year-end 2024, improving to 12.5% by mid-2025.
Metric2024 (Full Year)H1 2025
Net Attributable Profit (€ billion)5.792.95
Total Assets (€ billion)631.0659.8
(%)~15.715.7
CET1 (%)12.212.5

Recent Results (2023–2025)

In 2023, CaixaBank recorded a net profit of €4.82 billion, marking a 53.9% increase from , attributed to elevated amid higher interest rates and effective cost management. The bank's reached approximately €16.87 billion, reflecting robust lending activity and fee income growth. CaixaBank's performance strengthened further in 2024, with net profit rising to €5.79 billion, a 20.2% year-over-year gain that surpassed the objectives outlined in its 2022–2024 strategic plan. increased by 10% to €11.1 billion, supported by a 4.8% expansion in performing loans and stable deposit growth, while services revenue also contributed to the overall earnings uplift. For the first half of 2025, the bank reported a net profit of €2.95 billion, up 10.3% from the €2.67 billion in the same period of 2024, driven by 7% deposit growth and a 5.4% rise in service revenues despite moderating interest rates. Quarterly results showed variability, with Q2 net profit at €1.48 billion, down 11% from Q2 2024 due to a 5.6% decline in net interest income from ECB rate cuts, though overall H1 revenue expanded 31% to €3.83 billion in Q2 alone. As of October 2025, third-quarter results were pending release.
PeriodNet Profit (€ billion)Year-over-Year Change
2023 (Full)4.82+53.9%
2024 (Full)5.79+20.2%
2025 (H1)2.95+10.3%

Investment Activities

Portfolio Composition

CaixaBank's asset portfolio is predominantly composed of loans and advances to customers, which totaled €377.6 billion on a gross basis as of December 31, 2024, accounting for the majority of its €659.8 billion in total assets. This lending portfolio breaks down into €176.7 billion for individuals (including €133.9 billion in residential mortgages), €167.5 billion for businesses, and €17 billion for the public sector, reflecting a retail-oriented focus with growth in business lending at 4.7% year-to-date. Non-performing loans remained low, with performing loans at €351.5 billion. The bank's investment securities portfolio, held for liquidity and yield management, includes €85.1 billion in debt securities as of year-end 2024, with maturities distributed as €19.4 billion maturing in ≤1 year, €44.7 billion in 1-5 years, and €21.1 billion beyond 5 years. These primarily comprise sovereign from governments and high-grade corporate bonds, supplemented by €111.1 billion in high-quality assets (HQLA), of which €110.5 billion is Level 1 assets like reserves and government securities. Equity instruments totaled €1.1 billion unencumbered, mainly in subsidiaries and listed holdings such as VidaCaixa. Geographically, over 73% of exposures are in , with 8.9% in via BPI and limited diversification elsewhere, aligning with CaixaBank's emphasis. Credit quality is high, with performing exposures at €650 billion and non-performing at €11.2 billion, supported by internal ratings-based models covering 58% of exposures. Securitized assets, including €21.7 billion in bonds (mostly senior tranches), add diversification but represent under 4% of total exposures.
Asset ClassAmount (€ billion, Dec. 31, 2024)Share of Total Assets (%)Key Characteristics
Loans & Advances to Customers377.6 (gross)~57Primarily retail mortgages and business loans; 99.9% EU real estate-secured.
Debt Securities85.1~13Sovereign and corporate; focused on investment-grade.
HQLA & Assets170.7 (total liquid)~26Level 1 dominant for regulatory liquidity coverage.
Equity Instruments1.1 (unencumbered)<1Subsidiaries and strategic holdings.
Other (e.g., Securitisations)~22 (bonds)~3Senior tranches predominant.
This conservative allocation prioritizes capital efficiency and , with risk-weighted assets for at €214 billion, or 90% of total RWA. Sustainable elements, such as €86.8 billion in mobilized green/social financing since 2022, are integrated but form a minority share.

Strategic Investments and Asset Management

CaixaBank Asset Management (CaixaBank AM), the bank's dedicated subsidiary, oversees a broad range of investment funds and advisory services, emphasizing tailored solutions, rigorous risk management, and analysis of market trends by specialized professionals. As of December 31, 2024, CaixaBank AM managed or advised on €103,597 million in assets, reflecting its position as a leading player in Spain's fund industry. By September 9, 2025, it became the first Spanish manager to surpass €100 billion in domestic investment fund assets under management, marking a historic milestone driven by client inflows and market performance. The subsidiary's investment offerings include diversified vehicles such as the CaixaBank Global , an umbrella structure with sub-funds targeting multiple including equities, bonds, instruments, and currencies, managed according to specific policies for hedging and efficient portfolio management. Discretionary portfolio services, like the Smart Money platform, provide digital advisory for customized allocations based on client risk profiles, incorporating lower-fee institutional funds for cost efficiency. CaixaBank AM's approach prioritizes quality, trust, and social commitment, aligned with the CaixaBank Group's code of ethics, while fostering a culture of , diversity, and innovation among its 264 employees (46.6% women as of late 2024). Under the 2025–2027 Strategic Plan, CaixaBank AM aims for leadership in products and services, with pillars focused on growth via enhanced advisory and , transformation through digitalization and data utilization, and core emphasis on sustainable and . This plan builds on prior achievements, including the 600 Seal for excellence, , and sustainability strategies. Complementing these efforts, CaixaBank has committed €100 billion to initiatives by 2030, targeting environmental transitions such as and clean mobility; in the first half of 2025 alone, it mobilized €20.99 billion in such financing. CaixaBank's broader strategic investments underscore technological advancement as a key driver, with €1.368 billion allocated to and development in —an 8.3% increase from 2023—supporting AI integration, process optimization, and the "" transformation program. The 2025–2027 bank-wide plan earmarks over €5 billion for investments to enhance , operational resilience, and competitive positioning amid falling interest rates, aiming to sustain above 15%. These allocations reflect a causal focus on digital infrastructure to counter macroeconomic pressures, prioritizing verifiable growth in advisory revenues and portfolio diversification over speculative ventures.

Government Bailouts and Political Involvement

In 2012, during Spain's banking crisis, the government provided a €22.4 billion to , a major lender that had been formed from the merger of several regional savings banks (cajas), leading to partial with the state acquiring a 61.8% stake through the Fund for Orderly Bank Restructuring (FROB). CaixaBank, originating from the more stable savings foundation, did not receive direct bailout funds, as explicitly declined participation in state rescue programs available at the time. The 2020 agreement for CaixaBank to merge with , completed in March 2021, integrated 's operations and transferred the government's stake, resulting in FROB holding approximately 16.1% of the combined entity, valued at around €8.5 billion as of recent extensions. This stake represents residual public funds from the rescue, with the Spanish government extending the deadline multiple times—most recently to December 31, 2027—to maximize recovery amid favorable market conditions, having already realized profits exceeding the original costs through partial sales and dividends. CaixaBank's roots in , a Catalan established in 1904, historically involved regional political oversight typical of Spain's caja system, where boards included representatives from local governments, unions, and businesses, fostering ties to Catalan institutions but also exposing the sector to politicized lending decisions that contributed to the broader . In response to the and subsequent by regional leaders, CaixaBank relocated its legal headquarters from to on October 6, 2017, citing regulatory uncertainty and risks to its European under Spanish law, a move mirrored by other firms amid from . The relocation, while preserving operational presence in , underscored CaixaBank's alignment with national regulatory frameworks over regional separatism, with the bank reporting a moderate negative impact on deposits during but maintaining compliance with its code of ethics governing interactions with political entities. Ongoing government oversight via the FROB stake has prompted CaixaBank to adhere to EU-mandated restructuring conditions inherited from , including asset sales and capital requirements, though the bank has emphasized operational independence in engagements.

Regulatory Sanctions and Data Privacy Violations

In February 2021, the Spanish Data Protection Authority (AEPD) imposed a €6 million fine on CaixaBank for breaching the General Data Protection Regulation (GDPR) through the unlawful processing of clients' in product sales, involving deceptive pre-selection of options and forced actions that invalidated user . In May 2025, Spain's National Court reduced this penalty to €2 million, reclassifying the core violation as inadequate information provision rather than outright unlawful processing, while upholding GDPR non-compliance. In February 2024, the AEPD fined CaixaBank €5 million for GDPR violations stemming from deficient security measures in its mobile app, which enabled customers to inadvertently view transaction details of other users, compromising and confidentiality under Articles 5, 25, and 32. A further €3.5 million sanction followed in March 2025 from the AEPD, addressing repeated failures in implementing data protection by and default, as well as inadequate protocols that permitted unauthorized access to sensitive across multiple systems. In May 2024, CaixaBank was sanctioned €2 million by the AEPD for querying an individual's from the General Treasury of Social Security without legal basis or consent, violating GDPR principles of lawfulness, purpose limitation, and data minimization. Additional penalties include a €3 million fine in February 2022 against CaixaBank Payments & Consumer EFC () for lacking explicit, in customer profiling activities under GDPR Article 22. Beyond data privacy, in January 2024, Spain's annulled a €31.8 million fine from the National Markets and Competition Commission (CNMC) against CaixaBank for purported anti-competitive coordination on brokerage commissions, citing insufficient evidence of . No upheld sanctions from the or CNMV were recorded in these periods.

Corporate Espionage Allegations and Other Disputes

In July 2021, Spain's high court placed CaixaBank and under formal investigation for their alleged roles in a decade-old case involving the surveillance of . The probe focused on actions taken around 2011, when CaixaBank held a substantial stake in , amid a hostile takeover attempt by SA; authorities alleged that executives from both firms contracted a private linked to retired police commissioner to monitor Sacyr's then-chairman, Luis del Rivero, and his associates, including phone tapping and personal tracking, to gather and obstruct the bid. No formal charges were immediately filed against the companies themselves, but the court ordered document seizures and executive interrogations, with and CaixaBank both stating their intent to cooperate fully while denying wrongdoing. By September 2021, Spanish prosecutors approved potential indictments against former and CaixaBank executives, including accusations of bribery involving Villarejo, a figure central to multiple high-profile Spanish corruption probes known as the "Villarejo case," for facilitating illegal . Outcomes varied: in June 2022, the court dismissed charges against 's chairman, Antonio Brufau, citing insufficient evidence of direct involvement, though investigations into other executives from both entities proceeded toward possible trial. CaixaBank maintained that the actions predated its current governance and emphasized internal reforms, but the case highlighted risks of to opaque firms in competitive corporate battles. Beyond espionage claims, CaixaBank faced a 2018 judicial probe into its acquisition of Portuguese bank BPI, where plaintiffs alleged insider trading and mismanagement in the deal's execution, prompting a commercial court to examine transaction details; CaixaBank rejected the accusations, asserting all operations complied with regulations. Separately, in April 2018, Spain's Anti-Corruption Prosecutor's Office initiated proceedings against CaixaBank, its former head of regulatory compliance, and several employees over deficiencies in anti-money laundering protocols for specific high-risk transactions, though no convictions resulted and the bank reported enhanced compliance measures thereafter. These disputes, while not leading to major financial penalties, underscored ongoing scrutiny of the bank's due diligence in cross-border deals and internal controls.

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  138. https://www.caixabank.com/deployedfiles/caixabank_com/Estaticos/PDFs/Accionistasinversores/CBK_ECP_2022_Supplement_June_2022.pdf
  139. https://www.caixabank.com/deployedfiles/caixabank_com/Estaticos/PDFs/Sostenibilidad/Main_controversies_EN.pdf
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