CaixaBank

Name

CaixaBank

Legal name

CaixaBank S.A.

Website

http://www.caixabank.com

Company type

Public

Founded year

1844

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Consumer & Retail (CPG, Food, Apparel) (FSABACAM)

akta.pro secondary industries

Lending & Credit Disbursements (FSAMAKAH), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), Corporate Finance & Capital Advisory (BPAHADAB)

Keywords

• Retail banking services
• Corporate investment banking
• Wealth management services
• Insurance and pensions
• Digital banking platforms

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from lending activities, including mortgages, personal loans, and corporate lending. The bank benefits from interest rate environment with a strong retail-heavy balance sheet generating interest margins.
2. Fee and Commission Income: Fees from banking services, credit cards, payment services, account management, and financial advisory services.
3. Insurance and Wealth Management: Revenue from VidaCaixa insurance subsidiary (100% owned), private banking services, asset management, and investment products.
4. Corporate and Investment Banking: Syndicated loans, corporate bond issuance coordination, M&A advisory, and capital markets services through CIB division. Generated €315 million in France alone.
5. Real Estate Investment: Income from property portfolio management through VidaCaixa, including headquarters and commercial real estate.

Go-to-market motion3 records

Distribution channels9 records

Marketing channels8 records

Core offering

CaixaBank is Spain's largest retail bank, serving 20.8 million customers through 4,547 branches, digital banking (CaixaBankNow), and a network of 12,241 ATMs. Its core offerings span retail banking (accounts, mortgages, personal loans, credit cards), corporate and investment banking (syndicated loans, capital markets, M&A advisory), private banking and wealth management, life insurance and pensions through VidaCaixa, microfinance through MicroBank, and agribusiness banking through AgroBank. The bank is the leading syndicated loan arranger in Spain with €115.02bn in CIB total investment in 2025.

Product overview

CaixaBank is Spain's largest retail bank by number of clients (20.8 million), operating as a full-service financial institution with a multi-brand, multi-channel architecture. Its core digital banking product is CaixaBankNow, a web and mobile platform hosting its AI agent (Europe's first Agentic AI conversational agent, developed with Salesforce's Agentforce technology) that serves 12.6 million digital users across approximately 40 financial products. The bank's AI ecosystem also includes GlobalView, an AI-powered wealth aggregation tool powered by Flanks and integrated with BlackRock's Aladdin Wealth; FrauDfense Check, a cloud-based fraud prevention service co-developed with BBVA and Banco Santander; and a carbon credit trading platform for corporate clients. CaixaBank operates specialist sub-brands including Imagin (neobank), MoneyToTravel (prepaid travel card), MicroBank (microfinance/social banking), VidaCaixa (insurance and pensions, Spain's largest with €138.18bn AUM), AgroBank (agribusiness banking with a startup acceleration program), and OpenWealth (UHNW/family office wealth management with €10.67bn AUM). The bank's CIB division achieved record performance in 2025 with €115.02bn in total investment. CaixaBank is also an active participant in fintech infrastructure initiatives including Qivalis (euro stablecoin consortium) and Project Agorá (BIS/IIF tokenisation for cross-border payments), and holds a MiCA licence for crypto-asset services across the EU.

Differentiator

Problem solved

Functional benefit

Brands

• Imagin: Digital neobank targeting younger customers with digital-first banking services
• MicroBank
• AgroBank
• CaixaBank Payments & Consumer
• OpenWealth

Products and services

• CaixaBankNow Digital Banking Platform
• CaixaBank AI Agent (Agentic AI)
• GlobalView Wealth Aggregation Service

Quantifiable outcome

• Net profit of €5.89 billion in 2025, up 1.8% year-on-year
• +5 more outcomes

Named customers13 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability9 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• FrauDfense (Joint Venture with BBVA and Santander)coreStrategic or Co-development Partner · 18 June 2026FrauDfense is a joint venture established in 2023 by BBVA, Banco Santander, and CaixaBank to combat financial fraud. The venture launched FrauDfense Check, a cloud-based fraud prevention platform enabling secure information exchange between Spanish financial institutions. The service has been validated through pilot projects covering client onboarding, product contracting, transfers, Bizum payments, and card transactions. The founding banks tested the service over the past year and report preventing millions of euros in fraud. The service is now open to participation from the entire Spanish financial sector.
• Project Agorá (BIS and IIF Collaboration)minorStrategic or Co-development Partner · 27 May 2026Project Agorá is a public-private collaboration convened by the BIS (Bank for International Settlements) and IIF (Institute of International Finance) involving central banks and over 40 private sector financial institutions including CaixaBank. The project published findings demonstrating that tokenisation can address inefficiencies in wholesale cross-border payments through multi-currency settlement using tokenised central bank reserves and tokenised commercial bank deposits. The project showed that atomic settlement enabling cross-border wholesale transactions on an 'all-or-nothing' basis is achievable securely across currencies and jurisdictions.
• Salesforce (Agentforce)coreTechnology or Integration · 27 April 2026CaixaBank developed its AI agent using Salesforce's Agentforce technology. The AI agent supports approximately 40 financial products and handles an average of 6,000 conversations per month, guiding customers through the product onboarding process up to contract formalisation. The phased rollout began in February with pre-approved loan applications and was fully deployed across all products within approximately four weeks.
• Flanks (WealthTech)coreTechnology or Integration · 20 April 2026CaixaBank partnered with Spanish WealthTech firm Flanks to launch GlobalView, a service providing high-net-worth clients with a consolidated daily-updated view of their wealth across multiple financial institutions in 33 countries. The service is powered by Flanks' AI-driven platform and integrated into CaixaBank's GPS platform using BlackRock's Aladdin Wealth technology. The service is initially available to clients with assets exceeding €4 million and draws on Flanks' automated connectivity to financial institutions across 33 countries with over 600 institutional connections.
• BlackRock (Aladdin Wealth)coreTechnology or Integration · 20 April 2026GlobalView wealth aggregation service integrates multi-custodian data from over 600 institutional connections, feeding into CaixaBank's GPS platform powered by BlackRock's Aladdin Wealth technology. This positions CaixaBank at the forefront of Spain's banking sector ahead of the upcoming FIDA regulation in 2027.
• AgroBank Tech Digital INNovation ParticipantsminorStrategic or Co-development Partner · 18 April 2026AgroBank Tech Digital INNovation, an open innovation program run by AgroBank (CaixaBank's agribusiness division) in collaboration with the Spanish Ministry of Agriculture, Fisheries and Food, selected 15 winning startups from a pool of 196 applicants for its acceleration program focused on agri-food digitalization and sustainability.
• Regulatory Framework (CNMV/MiCA)coreOthers · 9 April 2026CaixaBank obtained authorization as a Crypto-Asset Service Provider under the EU's MiCA regulation from Spain's CNMV regulator, becoming a licensed entity to operate with crypto-assets across the European Union. The MiCA licence enables the bank to offer services including custody, reception, transmission, and execution of crypto-asset orders.
• Qivalis Euro Stablecoin ConsortiumcoreStrategic or Co-development Partner · 3 March 2026Qivalis is a consortium of 12 European banks developing a MiCA-compliant euro-denominated stablecoin. The consortium includes ING, UniCredit, BNP Paribas, CaixaBank, BBVA, Danske Bank, Raiffeisen Bank International, KBC, SEB, DekaBank, and Banca Sella. The initiative aims to launch a regulated euro stablecoin in H2 2026, backed 1:1 with at least 40% bank deposits and remainder in high-quality short-duration Eurozone sovereign bonds. The reserve will be held by multiple high-rated custodians with 24/7 redemption support.

Scale indicators29 records

Recent moves10 records

Expansion highlights7 records

Direct peers

• Banco Santander: Spain's other largest universal bank and direct competitor across retail, CIB, and wealth management. Comparable in CIB league tables, retail customer base in Spain, and European geographic footprint, making it the closest peer to CaixaBank.
• BBVA: Direct Spanish universal banking peer with overlapping retail, CIB, and digital banking operations. Co-developer with CaixaBank of FrauDfense fraud-prevention JV and co-member of Qivalis stablecoin consortium, indicating deep operational overlap.
• Bankinter: Spanish mid-cap universal bank competing in retail, SME, and corporate banking. Smaller scale than CaixaBank but highly comparable business model and Spanish customer overlap.
• Banco Sabadell: Spanish universal bank with retail, SME, and corporate banking franchises. Direct competitor in Spanish mortgages, business lending, and digital banking; named in the same CNMC antitrust investigation as CaixaBank.
• Unicaja Banco: Spanish regional universal bank with retail and SME focus. Comparable in Spanish mortgage and deposit competition; also subject to CNMC antitrust proceedings, making it a direct domestic peer.

Broad incumbents

• BNP Paribas: France's largest universal bank and one of CaixaBank's principal CIB co-financiers (e.g., joint €1.3B credit facility for Orange). Comparable across CIB, retail, and wealth management, though materially larger and more globally diversified.
• Société Générale: French universal bank with strong CIB franchise competing against CaixaBank CIB in European syndicated lending and bond issuance league tables. Overlapping in EMEA corporate banking and French-speaking markets.
• UniCredit: Italian-led pan-European universal bank and Qivalis stablecoin co-member. Comparable in CIB and European retail footprint; a relevant competitor in cross-border corporate banking and project finance.
• ING Group: Dutch universal bank with strong retail and digital banking focus, and a Qivalis consortium member. Comparable in retail/digital banking innovation, though more retail-tilted than CaixaBank's full-service model.

Regional players

• Banco BPI: Portuguese universal bank majority-owned by CaixaBank. Direct operational peer in retail, SME, and corporate banking within Portugal, providing a relevant domestic-market comparison.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/AccionistasCABK
• YouTubeyoutube.com/c/caixabank
• Facebookfacebook.com/caixabank
• LinkedInlinkedin.com/company/caixabank
• Instagraminstagram.com/caixabank/?hl=es
• TikToktiktok.com/@caixabank

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments46 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CaixaBank