Our identity

CaixaBank is the leading retail bank in Spain, with the largest customer base, a robust balance sheet and a culture drawing on deeply ingrained values. Following the acquisition of the Portuguese bank BPI, the CaixaBank Group has consolidated its leading position in retail banking in Spain and Portugal as a whole. Its business model is based on specialisation, with a tailor-made value proposition for each segment.

CaixaBank seeks to be recognised as setting itself apart through its socially responsible banking model. Its priorities include: achieving exacting quality of service standards; a firm commitment to mobility and digitalisation; its capacity for innovation; and its proximity and robust financial position.

Our values:
quality, trust and social commitment

Leader in Spain and Portugal as a whole

Flagship institution

15.7 million customers

Main bank for 26.7% (>1 in 4) individual customers in Spain

The most extensive branch networkin Spain: 4,874 branches
and 9,427 ATMs

Leader in mobile
and on-line banking in Spain: 55% of customers are digital

Market capitalisation of €23,248 million

€383,186 million
in
total assets

CaixaBank recognised as the best bank in Spain by Euromoneyand the best digital bank in Western Europe by Global Finance

BPI, the bank with the highest customer satisfaction in Portugal according to ECSI

Robust strategy

Customer satisfaction rating of 8.8 out of 10

Attributable profit of €1.684 million (+60.9% vs. 2016), for the Group, the best annual result achieved

Balance sheet strength: CET1 fully loaded of 11.7%

€349,458 million (+ 15.0% vs. 2016) of customer funds

High liquidity: ~€73,000 million in liquid assets

Commitment to mobility
and digitalisation: 100%
of advisors with Smart PCs and
98% with digital signatures

Trained team: >10,500 managers with financial advice qualifications

Socially responsible banking

€7,511 million in direct and indirect de contribution to Spanish GDP

New Socially Responsible Banking Master Plan

147,389 microcredits
granted by its social bank,
MicroBank

Over 32,000 flats, the largest pool of private social housing in the country

10,498 participants in the
Corporate Volunteering
Programme

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

Signatory to international initiatives such as the United Nations Global Compact and Principles for Responsible Investment

FURTHER INFORMATION AT:
Corporate presentation 2017 Consolidated Financial Statements, management report and audit report 2017 Results Press Conference

Shareholder structure

With a 40% 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 605,000 shareholders, with around 70% of this in the hands of institutional investors.

Its free float is held by more than 605,000 shareholders

Shareholder structure

As a percentage

Prudential deconsolidation from CriteriaCaixa

Following the reorganisation of the “la Caixa” Group in 2011, CriteriaCaixa became the controlling shareholder of CaixaBank and the parent of the Group for prudential purposes.

In 2016, a roadmap was agreed with the supervisor that planned for CriteriaCaixa to lose its status as the controlling shareholder and CaixaBank to become the parent of the banking group, before year-end 20171.

In September 2017, the European Central Bank recognised the deconsolidation of CaixaBank from CriteriaCaixa for prudential purposes. In its decision, the ECB considered that CriteriaCaixa no longer exercised control or a dominant interest over CaixaBank, because:

Therefore, CaixaBank has become the parent company of the financial conglomerate, and is classified as a significant supervised entity2.

The gradual reduction in CriteriaCaixa’s holding over recent years 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. Significant event filing 256741 published in the CNMV on 26 September 2017.

gradual reduction in CriteriaCaixa’s holding

Percentage holding of CriteriaCaixa in CaixaBank
FURTHER INFORMATION AT:
Shareholders and investors CriteriaCaixa Significant events Share and share capital

Information, transparency and
proximity to shareholders

Personalised service
562 shareholder enquiries dealt with
748 e-mails answered
Virtual and physical Shareholder Office
Aula, financial education
18 training courses in financial markets and economics
2,300 hours of training for more than 1,150 shareholders
New training videos and content on the website
New App for accessing training resources
Participation
3 meetings of the CaixaBank Shareholder Advisory Committee, one of which was virtual
17 corporate events, 17 meetings with shareholders and 2 cultural and leisure events
2,300 shareholders in attendance
Information
1.82 million CaixaBank shareholder newsletters
286,709 copies  of Shareholders magazine
5.9 million e-mails and SMS information alerts sent
Shareholder area on the corporate website
Presence on Twitter @AccionistasCABK
FURTHER INFORMATION AT:
Shareholder services