Caixabank SA
MAD:CABK

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Caixabank SA
MAD:CABK
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Price: 10.06 EUR 2.34% Market Closed
Market Cap: 71.3B EUR

Caixabank SA
Investor Relations

Caixabank SA stands as a formidable presence in the world of Spanish banking, an institution whose history is deeply intertwined with the financial fabric of Spain itself. Originating from its savings bank roots, it has evolved into a comprehensive financial powerhouse offering a broad spectrum of services. The bank primarily earns its revenues through traditional banking activities which include retail banking, corporate lending, and an expansive array of financial products. These services are delivered through an extensive network of branches and digital platforms, ensuring wide accessibility for both individual and corporate clients. Caixabank's strategic focus on innovation and digital transformation has allowed it to maintain competitive edges, such as enhanced customer service efficiencies and streamlined banking operations.

In the aftermath of its mergers, most notably with Bankia, Caixabank solidified its market position as a leading financial entity, expanding its customer base and fortifying its asset strength. The merger enabled the bank to leverage economies of scale, enhance operational efficiency, and offer a more comprehensive suite of services. Furthermore, its commitment to sustainable finance initiatives and socially responsible banking practices sets it apart within the industry. These endeavors not only enhance Caixabank’s public image but also align with a growing market trend towards ethical investment. By balancing traditional banking operations with modern strategic advances and corporate responsibility, Caixabank SA continues to craft a resilient and profitable business model.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Oct 31, 2025
AI Summary
Q3 2025

Strong Volume Growth: CaixaBank reported accelerating growth in loans and customer funds, both up nearly 7% year-on-year, and added almost 400,000 net new clients in Spain.

Upgraded Guidance: The bank raised its full-year return on tangible equity guidance to around 17% and improved its cost of risk guidance to less than 25 basis points.

NII Inflection Point: Net interest income (NII) rose 1.4% quarter-on-quarter after bottoming in Q2, with management expecting further acceleration in the second half of next year.

Capital Returns: CaixaBank announced an interim dividend at the top of its policy range (EUR 0.1679 per share, nearly EUR 1.2 billion in total) and a new EUR 500 million share buyback.

Asset Quality: Asset quality remained strong with NPL ratio down to 2.27%, NPLs declining by EUR 300 million in the quarter, and coverage ratio rising to 72%.

Market Outperformance: The bank continued to gain market share across business lines, especially in consumer, business lending, and wealth management, and expects positive deposit momentum to continue.

Optimistic Outlook: Management remains confident about sustaining loan and deposit growth, supported by strong Spanish and Portuguese economies and robust labor and investment trends.

Key Financials
Net Income
EUR 1.445 billion
Loan Growth
6.8% year-on-year
Customer Funds
6.9% year-on-year growth
Net New Clients (Spain)
400,000
Net Interest Income
up 1.4% quarter-on-quarter
Service Revenues
up 6.2% year-on-year
Wealth Management Revenues
up close to 12% year-on-year
Protection Insurance Premiums
up 12.7% year-on-year
Cost of Risk
24 basis points (12-month trailing)
NPL Ratio
2.27%
NPL Coverage Ratio
72%
CET1 Ratio
12.44%
Interim Dividend
EUR 0.1679 per share (close to EUR 1.2 billion)
Share Buyback (Seventh)
EUR 500 million
Return on Tangible Equity
circa 17%
Portugal Net Income (9M)
EUR 351 million
Portugal Loan Growth
up 8.5% year-on-year
Portugal NPL Ratio
1.5%
Earnings Call Recording
Other Earnings Calls

Management

Mr. Jose Ignacio Goirigolzarri Tellaeche
Executive Chairman
No Bio Available
Mr. Gonzalo Maria Gortazar Rotaeche
CEO & Executive Director
No Bio Available
Mr. Tomas Muniesa Arantegui
Executive Deputy Chairman
No Bio Available
Mr. Javier Pano Riera
Chief Financial Officer
No Bio Available
Mr. Luis Javier Blas Agueros
COO & Media Director
No Bio Available
Mr. Matthias Bullach
Head of Accounting, Mgmt Control & Capital
No Bio Available
Ms. Marta Noguer
Head of Investor and Shareholder Relations
No Bio Available
Mr. Oscar Calderon de Oya
Board Secretary & General Counsel
No Bio Available
Mr. Manuel Galarza Pont
Head of Control, Compliance & Public Affairs
No Bio Available
Ms. Maria Luisa Martinez Gistau
Head of Communication & Institutional Relations
No Bio Available

Contacts

Address
VALENCIA
Valencia
Calle Pintor Sorolla, 2-4.
Contacts