01
Our identity
Presentation of the CaixaBank Group [PAGE 10 ]
CaixaBank in 2024  [PAGE 12 ] 
Customers [PAGE 12]
Shareholders and investors [PAGE 13 ]
People and culture [PAGE 14]
Society [PAGE 15]
Environment and climate [PAGE 16 ]
Significant events in the financial year [PAGE 17 ]
Presentation of the CaixaBank Group
CaixaBank is a financial group with a
socially responsible model of universal
banking and long-term vision , based
on quality, close relationships and
specialisation.
It offers a value proposition of products and
services adapted for each sector, adopting
innovation as a strategic challenge and a
distinguishing feature of its corporate culture, and
whose leading position in retail banking in Spain
and Portugal makes it a key player in supporting
sustainable economic growth.
CaixaBank, S.A. is the Parent company of a group of
financial services, whose stock is traded on the
stock exchanges of Barcelona, Madrid, Valencia and
Bilbao and on the continuous market. It has been
part of the IBEX-35 since 2011, as well as the Euro
Stoxx Bank Price EUR, the MSCI Europe and the
MSCI Pan-Euro.
Impact on Society
Besides contributing to our customers' financial well-
being, our aim is to support the progress of the
whole of society.
We are a deeply-rooted retail bank in all areas in which we work and, for this
reason, we feel a part of the progress of the communities where we
engage our business.
CaixaBank offers its customers the best tools and expert advice to make decisions
and develop habits that form the basis of financial well-being and enable them,
for example, to appropriately plan to address recurring expenses, cover
unforeseen events, maintain purchasing power during retirement or to make
their dreams and projects come true.
We do this by:
> Standing by people for everything that matters.
We do this with:
> Specialised advice,
> Personal finance simulation and monitoring tools,
> Comfortable and secure payment methods,
> A broad range of saving, pension and insurance products,
> Responsibly-granted loans,
> And, overseeing the security of our customers' personal information.
We contribute to the progress of society:
> Effectively and prudently channelling savings and financing, and
guaranteeing an efficient and secure payment system.
> Through financial inclusion and education; environmental sustainability;
support for diversity; with housing aid programmes; and promoting
corporate voluntary work,
> And, of course, through our collaboration with the Obra Social (social work)
of the ā€œlaCaixaā€ Foundation, whose budget is partly nourished through the
dividends that CriteriaCaixa earns from its share in CaixaBank. A major part
of this budget is funnelled into identified local needs through the
CaixaBank branch network in Spain and BPI in Portugal.
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
ā‚¬636,468 M
ā‚¬690,523 M
ā‚¬364,159 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 %
ā‚¬0.4352
Cash pay-out in 20241
Dividend per share1
50 - 60%
Share buyback programmes in 2024
Target cash pay-out in 20252
ā‚¬1,000 M Executed3 + ā‚¬500 M Initiated 4 + ā‚¬500 M
Announced 5
1 Includes an interim dividend for the 2024 financial year, paid in November 2024 at ā‚¬0.1488 gross per share, and a final
dividend of ā‚¬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 (ā‚¬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 ā‚¬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
ā‚¬1,470 M
ā‚¬15,873 M
Attributable profit +46.2% with respect to 2023
profit
Gross income +11.5% vs 2023 
Balance sheet strength
#DIV/0!
1.7%
CET1
Non-performing loan ratio
Improvement in profitability and cost-income:
15.4%
37.7%
12 months ROE
Cost-to-income ratio
High liquidity
ā‚¬171,170 M
197%
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
ā€œefrā€, 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
ā‚¬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%
ā‚¬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%
ā‚¬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
ā‚¬6,250 M
Of own social bonds issued since 2019
ā‚¬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
ā‚¬3,593 M
ā‚¬2,559 M
ā‚¬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
ā‚¬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
ā†’ Ofibuses to prevent financial exclusion
ā†’ No abandonment of municipalities.
ā†’ 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
ā–  2022-2023
ā–  2024
         
ā‚¬64,000 M
2022-2024 SP Objective
ā‚¬86,770 M
Mobilised since January 2022
ā‚¬73,381 M
ā‚¬13,389 M
Sustainable financing
Sustainable intermediation
Under its 2025-2027 Strategic
Plan, CaixaBank aims to
mobilise over ā‚¬100 M in
sustainable finance.
BPI
ā‚¬6,187 M
Mobilised since January 2022. ā‚¬2,119 M in 2024
ā‚¬4,000M
2022-2024 SP Objective
BPI targets
ā‚¬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 ā€˜2023 Deal of the Year -
Green Tradeā€™ 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
Significant events in the year
JANUARY
FEBRUARY
MARCH
APRIL
MAY
JUNE
CaixaBank recognised for the
third consecutive year by Top
Employers for excellence in its
practical human resources
policies.
CaixaBank issues its seventh
green bond issue for ā‚¬1,250 M.
As of 31 December 2024, 8 green
bond issues have been issued for
ā‚¬7.15 billion since the start of the
issue in 2020.
Global Finance names CaixaBank the
"World's Best Bank for Sustaining
Communities 2024" .
CaixaBank distributed an ordinary
dividend of ā‚¬2,876 million to its
shareholders for 2023, amounting to
ā‚¬0.3919 per share, marking a 70%
increase from the prior year .
CaixaBank celebrates Social Month,
hosting more than 2,690 charitable
activities throughout Spain.
CaixaBank, named "Most
Innovative Bank in Western
Europe" by Global Finance.
CaixaBank extends the coverage
of its mobile branch service to
municipalities at risk of financial
exclusion. The mobile branch
service covered 1,294 towns and
villages at the end of December.
Approval by the Board of Directors
of the Statement on Nature .
Moody's upgrades CaixaBank's
rating to baa2 from baa3, thanks
to an improvement in its
assessment of the bank's intrinsic
strength and operating
environment in 2023.
Publication of the Objectives of
DescarbonizaciĆ³n remaining,
within the framework of the Net
Zero Banking Alliance (NZBA).
Strengthening of products for
seniors with the launch of the
MyBox Tranquilidad Senior ,
which enable bearing costs
arising from an accident or death.
Launch of MyBox VidaCare, the
first insurance policy to cover
needs caused by
neurodegenerative diseases.
CaixaBank approves the third
share buy-back (SBB)
programme for a maximum
amount of ā‚¬500 M. The
programme was completed in
May.
CaixaBank has been named "Best
Bank in Spain" for the tenth
consecutive year by Global
Finance magazine
OpenWealth becomes the
largest high net worth and
family office consultancy in
Spain.
JULY
AUGUST
SEPTEMBER
OCTOBER
NOVEMBER
DECEMBER
CaixaBank named 'Best Bank in
Spain 2024', 'Best ESG Bank'
and 'Best Digital Bank' at the
Euromoney Awards for
excellence in banking.
CaixaBank embarks on the
second phase of rolling out
Generative Artificial
Intelligence (AI) across the entire
group.
CaixaBank has been chosen by
the Bank for International
Settlements and the Institute of
International Finance to
investigate innovative digital
payment solutions for
international transactions.
CaixaBank approves the fifth
share buy-back   (SBB)
programme for a maximum
amount of ā‚¬500 M. As at 31
December 52% has been
executed.
Additionally, CaixaBank initiated
a support plan for those
impacted by the DANA storm in
Valencia, offering measures such
as financing options for
businesses, the self-employed,
and individuals, along with loan
deferrals. Deployment of mobile
branches to assist those affected
by crises.
CaixaBank has started a talent
acquisition initiative , already
employing nearly 1,000 people
and planning to onboard 3,000
young and technical professionals
under 35
over the
next three
years.
CaixaBank approves the fourth
one share buy-back
programme (SBB), for a
maximum amount of ā‚¬500 M.
The programme was completed
in November.
CaixaBank promotes a healthy
lifestyle among its employees with
a comprehensive wellbeing
platform.
CaixaBank has also issued a new
ā‚¬1.25 billion social bond to fund
projects that promote economic
growth, gender equality, and the
reduction of inequality. As of 31
December, 6 social bond issues
have been issued for ā‚¬6.25 billion
since the start of the issue in 2019.
CaixaBank was honored with the
'Best Shareholder Service for
Listed Companies' award at the
Rankia 2024 awards.
CaixaBank presents the 2025-2027
Strategic Plan.
CaixaBank continues to be
recognised as one of the most
sustainable banks in Europe
and globally , according to the
Dow Jones Sustainability Index.
CaixaBank breaks its record high
by exceeding 6,150,000 salary
direct deposits.
CaixaBank pays its shareholders
a dividend of ā‚¬0.1488 per share.
Over the past three years, CaixaBank
has mobilized ā‚¬86.77 billion in
sustainable finance , surpassing its
2022-24 Strategic Plan goal of ā‚¬64
billion.
Standard & Poor's has
upgraded CaixaBank's long-
term debt issuer rating from A-
to A. By 2024, all credit rating
agencies have improved
CaixaBank's ratings,
acknowledging enhancements in
its operational environment and
financial health.