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Sustainable business

Leading sustainable banking and committed to the energy transition and social development

At CaixaBank, we have been contributing value to society for over a hundred years and we currently have a fundamental role in channelling resources. As members of UNEP FI and the Collective Commitment to Climate Action we are working to mobilise private sector funding for sustainable development and align our business strategy with the objectives of the Paris Agreement and the Principles for Responsible Banking, with a view to achieving the Sustainable Development Goals.

In 2023, we have published the Guide to identifying sustainable financing , which aims to define criteria to consider operations for individuals and companies financed by CaixaBank as sustainable, as well as their contribution to the SDGs.

You can also check out our range of sustainable products and services for individuals on our commercial website.

Priority SDGs:



Learn about our sustainable banking model

Sustainable financing, investment and saving

The incorporation of ESG (Environmental, Social and Corporate Governance) criteria in our activity, together with traditional financial and risk criteria, allows us to offer our customers long-term financing, investment and savings products that contribute to preventing and mitigating climate change and to driving the transition towards a carbon-neutral economy and social development, all in line with our sustainable banking model.

Financing

Loans linked to sustainability variables

These are loans linked to ESG (Environmental, Social and Corporate Governance) criteria, where conditions vary depending on the attainment of sustainability objectives. An external adviser carries out an assessment and sets the objectives, complying with Sustainability Linked Loan Principles.

€12,681 million mobilised through the 158 loans made available in 2023

Green loans

These are loans with a positive environmental impact, whose underlying is eligible projects or assets, in areas such as renewable energies, energy efficiency, sustainable transport, emissions reduction, waste treatment and sustainable building, which comply with the Green Loan Principles (GLP) issued by the Loan Market Association.

Renewable energies

As part of our commitment to combating climate change, we support environmentally-friendly initiatives that contribute to preventing and mitigating climate change and the transition to a low-carbon economy, mainly by funding renewable energy projects. 86% of the financing has been allocated to wind power projects in 2023.

5,345 MW of installed renewable energy power through the financing of 16 projects for a total of €1,196 million in 2023

€3,278 million in corporate loans

Financing energy-efficient properties

In our commitment to the fight against climate change, we finance energy-efficient properties. Operations for which there is documentary evidence of an energy efficiency certificate with A or B rating are considered environmentally sustainable.

At CaixaBank, we are adapting our information systems and credit processes to record information and documentation related to energy certification when operations are formalised. Energy information concerning planned property developments is also entered.

€1,087 million in developments formalised with expected A or B rating in 2023

€1,230 million in Financing of Commercial Real Estate in 2023

Ecofinancing

We encourage sustainable investments that use resources more efficiently and/or reduce environmental impacts. To do this, we offer personal eco-loans and eco-microloans to finance the purchase of efficient vehicles and household appliances and home renovations to improve energy efficiency.

We also finance projects related to efficient water use, renewable energies, waste management, energy efficiency, ecological agriculture and rural development, through eco-financing lines for the agricultural sector.

Loans linked to eco-financing lines in 2023

Microloans and other financing with a social impact

MicroBank is the CaixaBank Group's social bank. We are leaders in promoting financial inclusion through microloans and other financing with a social impact and, through CaixaBank's branch network, we offer financial products and services that are tailored to the needs of entrepreneurs, micro-enterprises and families in order to foster personal development, social progress and financial inclusion.

€1,383 million granted in microloans and other financing with a social impact in 2023

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ESG Bonds

ESG Bonds are bonds which are Green, Social and Sustainable. They are linked to funds whose use has a positive environmental, social, or environmental and social impact, respectively.

In 2023, CaixaBank actively participated in the placement of the following sustainable bonds:

12 green bond issues for investment in environmentally sustainable assets with a share amount of €1,010 million

5 sustainable bond issues with a share amount of €533 million

3 sustainability-linked bond issues with a share amount of €117 million

In July 2019, the CaixaBank Board of Directors approved a Bond Issuance Framework linked to the Sustainable Development Goals and aligned with the Sustainable, Green and Social Bond Principles.

Since its first issuance in the green bond market in 2020, the Group has carried out seven green bond issues for €6,832 million. In 2024, CaixaBank issued one green bond for €1,250 million.

The total amount acquired through these funds have been allocated to funding projects that promote four of the Sustainable Development Goals (SDG): number 6, Clean Water and Sanitation; number 7, Affordable and Clean Energy; number 9, Industry Innovation and Infrastructure; number 11, Sustainable Transport Systems; and number 12, responsible production and consumption.

€1,250 million raised to the green bond issued in 2023

In addition, Caixabank has issued a fifth social bond in 2023, focused on financing activities and projects that contribute to fight poverty, boost education and well-being and promote financial and social development in the most disadvantaged areas of Spain, objectives set out in SDGs 1, 3, 4 and 8.

€1,000 million raised by the fifth green bond issued in 2023

Investment and long-term savings

Investment funds, savings insurance and pension plans

CaixaBank Group is committed to sustainable investment, understood as investment that not only offers financial returns but also promotes management that is consistent with creating value for the whole of society. 

Through our asset management company, CaixaBank Asset Management, and our insurance company and pension fund manager, VidaCaixa, we have become the first group in Spain to be awarded Sustainable Finance Certification under AENOR's ESG criteria.

Throughout 2023, the Group continued to make progress in improving transparency and in its investment management model under ESG criteria, acting in line with the Global Compact Principles and the Principles for Responsible Investment (PRI), and also in strict compliance with European regulations: Sustainable Finance Disclosure Regulation (SFDR) and the European Union's Green MiFID.

In this context, the range of investment funds and pension plans, Gama SI Soluciones de Impacto, has been joined in 2023 by the launch of the CaixaBank Gestión Tendencias FI fund. This fund invests in major long-term global trends with a sustainable approach. Through investing in a specific trend or idea, the fund seeks to capitalize on a change in society or the economy that has a positive impact on certain sectors or industries.

SI Impact Solutions Range 

More information in Sustainable Investing: propietary products 

More information in Sustainable Investing: third-party products

More information in Sustainable investment

Activity linked to sustainable business

At CaixaBank, we are committed to sustainability through the design and marketing of products and services that incorporate environmental, social and governance criteria and drive the transition to a carbon-neutral economy and social development. Our specialist teams are at the service of customers and advise them in areas such as infrastructure, energy, sustainable financing, real estate, agriculture, business banking and private banking.

ESG advice for companies

Through Sustainable Finance & ESG Advisory, CIB&IB (Corporate, Institutional and International Banking), we offer advice to support our corporate and institutional customers in their sustainability and decarbonisation strategy, rating advisory, clean technologies, or the design of their sustainable financing framework.

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Social Value Project in Private Banking

We have a specialised unit that offers our Private Banking customers a comprehensive solution to their needs in the field of philanthropy.

More on the Social Value Project 

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Inclusive finance

In line with our social responsibility and vocation, we design and adapt financial products and services to the circumstances of the most vulnerable. We have social accounts that allow access to basic financial services, facilitating direct payment of social benefits and access to employment.

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Sustainable consumer products

We finance products that contribute to a greener and more sustainable lifestyle, such as photovoltaic panels and efficient home appliances, or bicycles and electric scooters. These can be obtained at our CaixaBank branches and on the Facilitea platform.

Our sustainable solutions and products 

Go to Facilitea

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Leasing of electric and hybrid vehicles 

We work towards an efficient and sustainable mobility by offering our customers electric and hybrid vehicles through leasing. 

Obtain commercial information about leasing 

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Financing for communities of owners

We support the sustainable development of communities of owners by financing renovation works to improve their energy efficiency.

Discover the solutions available 

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Efficient mortgage

Designed to finance the purchase of a home and, in addition, its renovation. As long as certain criteria are met that improve the energy efficiency and environmental sustainability of the home.

Know all its features 

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Check out our entire range of sustainable products and services at CaixaBank.es: