CaixaBank, S.A

CaixaBank is a financial services company, member of La Caixa group. CaixaBank, one of the largest banks in Spain, provides universal banking and insurance products and services.

Services

Retail Banking
Private Banking
Corporate Banking
Insurance

Products

Financials

Total Assets (2016)
306.38 bln EUR  (-3.31%)
Net Income (2016)
1 047.00 mln EUR  (+28.62%)

In 2016 total assets of CaixaBank, S.A were 306,38 bln EUR. In 2016 the bank's net income was 1 047,00 mln EUR.

CaixaBank, S.A is rated by Fitch, Moody's. Long-term credit rating assigned to the bank by Fitch is BBB (good credit quality). Long-term credit rating assigned to the bank by Moody's is Baa1 (lower medium grade).

CaixaBank, S.A participates in deposit guarantee scheme of Spain. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Head of Group

 La Caixa (Spain)

CaixaBank, S.A is a member of La Caixa (Spain).

Contacts

Cl Pintor Sorolla 2-4, 46002, Valencia, Spain

CaixaBank, S.A is headquartered in Valencia.

Bank Identifiers

BIC (SWIFT)
CAIXESBB
MFI ID
ES2100

Business Summary

Services
retail banking
private banking
corporate banking
insurance
Products
current accounts
debit cards
credit cards
savings accounts
time deposit accounts
mutual funds
consumer loans
mortgage loans
pension plans
business loans
trade finance
trading accounts

CaixaBank, S.A provides products and services in the areas of retail banking, private banking, corporate banking, insurance. The range of products offered by CaixaBank, S.A includes current accounts, debit cards, credit cards, savings accounts, time deposit accounts, mutual funds, consumer loans, mortgage loans, pension plans, business loans, trade finance, trading accounts.

Products

Current Accounts

Current accounts are non-interest bearing deposit accounts that are used to perform day-to-day banking transactions. Current accounts are often offered with a payment card (a debit card and/or a credit card) and may also include overdraft possibility. Annual costs of having a current account (also known as account management fees) can depend on monthly income input to the account or amount of money deposited into the account.

Current accounts made with CaixaBank, S.A are covered by deposit guarantee scheme of Spain up to 100 000 EUR per depositor. The following current accounts are offered by CaixaBank, S.A.

Updated on 20 May 2018

Cuenta Estrella
Sales Region
Spain
Account Currency
EUR
Annual Costs (EUR)
48.00
Overdraft Rate (p.a.)
0.00 %
Current Account Details
Product Name
Cuenta Estrella
Account Currency
EUR
Annual Costs
48.00 EUR
Interest Rate (p.a.)
0.00 %
Overdraft Rate (p.a.)
0.00 %
Debit Card
Debit Card Costs (p.a.)
0.00 EUR
Credit Card
Online Banking
Telephone Banking
Branch Banking
Mobile Banking
Indexed TAN (iTAN)
pushTAN
photoTAN
Mobile TAN (mTAN)
chipTAN

Spain: This product is offered to Spanish residents only. When clicking on the product link you will be redirected to the product page in Spanish.

See Also

Trading Accounts

Trading accounts are used to execute trade transactions involving buying and selling various financial instruments, for example, stocks, bonds, futures and options. Trading accounts can hold both cash and securities.

Trading accounts made with CaixaBank, S.A are covered by investor compensation scheme of Spain up to 20 000 EUR per investor. Trading accounts offered by CaixaBank, S.A are shown in the table below.

Updated on 20 May 2018

La caixa Broker
Sales Region
Spain
Annual Costs (EUR)
40.00
Costs per Order (EUR)
7.00
Trading Account Details
Product Name
La caixa Broker
Annual Costs
40.00 EUR
Costs per Order
7.00 EUR
Traded Instruments
stocks
bonds
ETFs
funds
options
certificates
Stock Exchanges
XETRA
Frankfurt
NYSE

Spain: This product is offered to Spanish residents only. When clicking on the product link you will be redirected to the product page in Spanish.

See Also

Financial Positions

Total Assets (2016)
306.38 bln EUR  (-3.31%)

In 2016 total assets of CaixaBank, S.A were 306.38 bln EUR. Decline compared to the previous period (2015) was -3.31%.

Profit and Loss

Net Income (2016)
1 047.00 mln EUR  (+28.62%)

In 2016 net income of CaixaBank, S.A was 1 047.00 mln EUR. Growth compared to the previous period (2015) was 28.62%.

Credit Ratings (as of May 2018)

Fitch Moody's
BBB (good credit quality) Baa1 (lower medium grade)

Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government. CaixaBank, S.A is rated by Fitch and Moody's.

Credit ratings assigned to CaixaBank, S.A as of May 2018 are shown in details in the following sections.

Fitch

Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for CaixaBank, S.A it is set to BBB (good credit quality), outlook is positive (may be raised). The rating is not on watch. Short-term issuer default rating for CaixaBank, S.A is set to F2 (good short-term credit quality).

Long-Term Issuer Default Rating  BBB
    Outlook  positive
    On Watch  No
Short-Term Issuer Default Rating  F2
Viability Rating  bbb
Support Rating  5
Support Rating Floor  NF

Viability rating for CaixaBank, S.A is set to bbb (good fundamental credit quality); support rating is 5 (there is a possibility of external support, but it cannot be relied upon); support rating floor is NF (no floor; no reasonable presumption of potential support being forthcoming).

Moody's

Long-term rating for CaixaBank, S.A it is set to Baa1 (lower medium grade). Long-term bank deposit rating is Baa1 (lower medium grade). Baseline credit assessment is ba1. Short-term rating is not assigned.

Long-Term Rating  Baa1
Long-Term Bank Deposit Rating  Baa1
Baseline Credit Assessment  ba1
Short-Term Rating  -
Outlook  stable

Outlook for the ratings of CaixaBank, S.A is set to stable (not likely to change).

Deposit Guarantee

Deposit Guarantee
Yes (up to 100 000 EUR per depositor)

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Spain are obliged to participate in Spanish deposit guarantee scheme.

In the case of CaixaBank, S.A failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons, legal entities
Covered Accounts  credit balances on accounts, nominative deposit certificates constituted in the EU
Covered Currencies  all
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information

BIC

BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).

BIC of CaixaBank, S.A and its components are shown in the table below.

BIC  CAIXESBB
Bank BIC Code  CAIX
Country Code  ES (Spain)
Location Code  BB
Branch Code  -

MFI ID

MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

MFI ID of CaixaBank, S.A is shown in the table below.

MFI ID  ES2100