CaixaBank is the leading retail bank in Spain, with the largest customer base, a robust balance sheet and a culture drawing on deeply engrained values. Its business model is based on specialisation, with a value proposition tailored to each segment; a comprehensive offering of products and services; the largest branch network in the country; a multi-channel approach and reach; and a team of highly-trained specialists. CaixaBank’s priorities include: achieving exacting quality of service standards; a firm commitment to mobility and digitalisation; and a determination to be set apart by its proximity, robust financial position, capacity for innovation and social responsibility.

Our values: quality, trust and social commitment
The leading retail bank in Spain

Flagship institution

1 in every 4 Spaniards puts their trust in us

Market capitalisation of €18,768 million

€347,927 million in total assets

Sustained increase in main market shares

The largest branch network in the country (4,851 retail branches and 9,479 ATMs)

Leader in online and mobile banking, with the largest number of active digital customers in the country

Recognised as the bank of the year in Spain by The Banker and the best retail digital bank in Western Europe by Global Finance

Robust strategy

Customer satisfaction rating of 8.7 out of 10

Attributable profit of €1,047 million (+28.6% vs. 2015) for the Group

Fully loaded CET1 of 12.4% (+84 basis points vs. 2015)

€81,890 million in assets under management (+9.9% vs. 2015)

€50,408 million of high-quality liquid assets

Commitment to mobility and digitalisation: 22,220 advisors with Smart PC and 14.4 million digital signatures

A highly trained team, with over 7,000 postgraduate qualifications in financial advice

Responsible banking model

167,669 microcredits granted by its social bank, MicroBank

Direct and indirect contribution of 0.72% of Spain’s GDP

Over 33,000 flats, the largest pool of private social housing in the country

15,000 participants in the Corporate Volunteering Programme

Included in the leading sustainability indices (DJSI, FTSE4Good, CDP A-list)

Signatories of major social responsibility initiatives, such as the UN Global Compact

Recognised as the Best Responsible Bank in Europe in 2016 by Euromoney


With a 45.3% interest in CaixaBank’s capital, CriteriaCaixa, a holding company solely owned by the ”la Caixa” Banking Foundation, is the bank’s core shareholder. CaixaBank’s free float capital is held by over 682,000 shareholders, with more than half in the hands of institutional investors.

Towards greater diversification in the shareholder base

On 26 May 2016, CriteriaCaixa disclosed to the market its intention to comply with the European Central Bank’s conditions for the prudential deconsolidation of CriteriaCaixa from the CaixaBank Group, before the end of the 2017 financial year. These conditions include CriteriaCaixa’s voting and dividend rights in CaixaBank not exceeding 40% of the total1.

CriteriaCaixa completed an asset swap with CaixaBank2 in May, and in December placed a package of shares representing around 1.7% of the share capital of CaixaBank with institutional investors. This reduced its holding in CaixaBank from 56.8% at year-end 2015 to 45.3% at year-end 2016. In February 2017, CriteriaCaixa sold a further package of shares, representing 5.322% of its share capital, leaving its holding at 40%.

The gradual reduction in CriteriaCaixa’s holding has resulted in an increased free float and a more diversified shareholder base for CaixaBank, and greater liquidity in the market for its shares.

1. Significant event filing 239132 published in the CNMV on 26 May 2016.

2. This involved transferring treasury shares representing 9.89% of the share capital of CaixaBank and €678 million in cash, in exchange for these holdings in BEA and GFI.

Its free float is held by more than 682,000 shareholders

Information, transformation and proximity to shareholders

781 shareholder enquiries dealt with
1,609 e-mails answered
Shareholder Office in Barcelona and on the road
1.87 million CaixaBank Shareholder Newsletter
317,000 copies of CaixaBank Shareholders magazine
6.6 million e-mails and SMS information alerts sent
Shareholder area on the corporate website
Social network presence on Twitter, @AccionistasCABK
2 meetings of the CaixaBank Shareholder Advisory Committee
59 corporate and cultural events
2,774 shareholders in attendance
16 training courses in financial markets and economics
1,275 shareholders in attendance