CaixaBank in 2024
Customers
The bank of choice for individual customers in
Spain with a sound and growing franchise
in Portugal.
20.3 M
18.5 M
1.8 M
of customers
in Spain
in Portugal
€631,003 M
€685,365 M
€361,214 M
of total assets
Customer funds
loans and advances to
customers, gross
Leading omnichannel, innovative distribution platform
with multi-product capabilites
3,825
2.2 M
branches in Spain  and 11,137 ATMs
Heavy Users1 in Spain
92%
12.1 M
Spanish citizens with a branch in their
municipality
digital customers in Spain
303
1 M
Branches in Portugal and 1,233 ATMs
digital customers in Portugal
1 Customers with more than 130 days with connection to digital channels for 6 months.
2 Combined share of investment funds, pension plans and savings insurance. The latter corresponding to sector data, estimated
based on the change in total life insurance.
Leading franchise in bancassurance in Spain and Portugal
Spain
23.4%
24.6%
23.6%
29.5%
loans to households
and businesses
mortgage credit
loans to businesses
share of long-term
savings2
24.7%
23.7%
34.3%
37.7%
household and business
deposits
investment funds
pension plans
savings insurance
Portugal
11.7%
14.6%
11.2%
loans to households and
businesses
mortgages
loans to businesses
13.7%
10.4%
14.2%
life-risk insurance
household and business
deposits
investment funds
Widespread recognition
CaixaBank                                                    BPI
       
Best Bank in Spain 2024
Best Bank in Spain 2024
Best Digital Bank in Spain 2024
Most Innovative Financial Institution
in Western Europe 2024
Best Bank in Portugal 2024
No. 1 Prestige Products
Category 2025 Cinco Estrellas
Seal of Most Trusted Bank in
Portugal in 2024 Reader's Digest
-
Shareholders and Investors
Creating Shareholder value
53.5 %
€0.4352
Cash pay-out in 20241
Dividend per share1
50 - 60%
Share buyback programmes in 2024
Target cash pay-out in 20252
€1,000 M Executed3 + €500 M Initiated 4 + €500 M
Announced 5
1 Includes an interim dividend for the 2024 financial year, paid in November 2024 at €0.1488 gross per share, and a final
dividend of €0.2864 gross per share to be distributed in April 2025. This final dividend proposal, set by the Board of Directors,
awaits approval at the upcoming Annual General Meeting.
2 Cash payout target as per 2025 dividend plan agreed by the Board of Directors.
3 Corresponds to the third and fourth share buy-back programme (€500 M each).
3  Corresponds to the fifth share buy-back programme.According to the latest information available as of 14 February 2025,
75,236,440 shares have been acquired for €406 M.
5 This figure relates to the announcement of the sixth share buyback program in January 2025, scheduled to start after the fifth
program concludes.
Growth in quality of results
€5,787 M
€15,873 M
Attributable profit +20.2% with respect to 2023
profit
Gross income +11.5% vs 2023 
Balance sheet strength
12.2%
2.6%
CET1
Non-performing loan ratio
Improvement in profitability and cost-income:
15.4%
38.5%
12 months ROE
Cost-to-income ratio
High liquidity
€170,723 M
207%
Total liquid assets
Liquidity Coverage Ratio (specific)
People and culture
46,014
56.1%
43.9%
CaixaBank Group employees
Female
Male
99.6%
46.8 years
18.7 years
Permanent contracts
Average age
Average length of service
Commitment to diversity
43.4%
of women in managerial positions1
1.0%
gender pay gap
650
employees with a disability
1 From lower management in A and B branches. Scope CaixaBank, S.A.
CaixaBank has renewed its Flexible and
Responsible Company (hereinafter
referred to by its Spanish acronym of
“efr”, Empresa Flexible y Responsable)
certification for the fourteenth
consecutive year in 2024, keeping its
Level of Excellence A certification.
Committed to training and talent
attraction
65.9 hours
Of training per employee
€15.4 M
Of investment in training
Top Employer
CaixaBank awarded the "Top Employer Spain 2024"
seal.
Promotion of Health and Well-being
CaixaBank maintained in 2024 the AENOR Healthy
Organisation certification.
Society
Contribution to GDP
1.18%
€18,872 M
Direct and indirect contribution to
Spain's GDP
16%
CaixaBank
(Spain)
Gross Value Added of CaixaBank in the
financial and insurance sector
0.56%
€1,613 M
direct and indirect contribution to
Portuguese GDP
7%
BPI (Portugal)
Gross value added of BPI in the financial
and insurance sector
Financing and investment with
impact
€6,250 M
Of own social bonds issued since 2019
€72,450 M
Assets under management with a high sustainability rating
according to SFDR in Spain and Portugal (articles 8 and 9) 4
Taxes paid, third-party tax collection
and other contributions
€3,593 M
€2,559 M
€156 M
Taxes paid
Taxes collected from
third parties 2
Other contributions 3
Driving economic activity
68,777
8,458
Spain
Portugal
Job positions generated through the multiplier effect of
purchases from suppliers1
€2,066 M
In microcredits and other financing with social impact
484,522
MicroBank beneficiaries (accumulated 2022-2024) 
Committed to society
Committed to vulnerable groups
→ Ofibuses to prevent financial exclusion
→ No abandonment of municipalities.
→ 362,728 customers with basic payment
accounts
1 CaixaBank Research, based on the value of CaixaBank, Spanish GDP and employment according to National Accounting and productivity figures per worker and based on the input/output tables of the National Statistics Institute (INE) with 4th-quarter data.
2 Taxes payable by third parties arising from their economic relationship with CaixaBank.
3 Contribution to the Deposit Guarantee Fund, Extraordinary contribution to the banking sector (Portugal), Contribution to the Single Resolution Fund and Financial Contribution monetisable DTAs.
4 Encompasses investment funds, pension funds, EPSV (Employee Pension Plans), and Unit-Linked products, adhering to articles 8 and 9 of the SFDR (Sustainable Finance Disclosure Regulation) for management companies in Spain and Portugal.
Environment and Climate
Mobilisation of sustainable finance
CaixaBank
35,957
50,813
■ 2022-2023
■ 2024
         
€64,000 M
2022-2024 SP Objective
€86,770 M
Mobilised since January 2022
€73,381 M
€13,389 M
Sustainable financing
Sustainable intermediation
Under its 2025-2027 Strategic
Plan, CaixaBank aims to
mobilise over €100 M in
sustainable finance.
BPI
€6,187 M
Mobilised since January 2022. €2,119 M in 2024
€4,000M
2022-2024 SP Objective
BPI targets
€4.4 billion in sustainable
finance for the period
2025-20271.
Best Bank for Sustainable Finance in
Western Europe
Best Bank for Sustainable Finance
in Europe
It has recognised two foreign
trade financing operations with
its ‘2023 Deal of the Year -
Green Trade’ awards.
1 Incorporates only mobilisation of sustainable financing.
Transition to a carbon-neutral
economy
In 2021, CaixaBank joined the Net Zero Banking
Alliance (NZBA)
In 2022, VidaCaixa joined the Net Zero Asset
Owner Alliance (NZAOA)
In 2024, CaixaBank disclosed further intermediate
decarbonisation goals as part of the Net-Zero
Banking Alliance (NZBA), setting targets in the
following sectors:
Electric
Fossil fuel combustion
Coal phase out.
Iron and steel
Commercial real estate
Residential real estate
Maritime
Aviation
Agriculture and livestock
Automotive
Implementation of environmental
efficiency measures in accordance
with the requirements of
internationally renowned standards