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[null,null,2023,2022,2021,"Law 11/2018, on nonfinancial information and diversity","GRI \n(Global Reporting Initiative)","SASB\n(Sustainability Accounting Standard Board)","SDGs                                                                                          (Sustainable Development Goals)"]
["Materiality"]
["Material issues (high and medium materiality)","units",22,20,26,"ü","2-29; 3-1; 3-2 "]
["Enquiries","units",2.6240000000000001,"3,289","2,959",null,"2-29; 3-1; 3-2 "]
["Customers","units",1.004,717,800,null,"2-29; 3-1; 3-2 "]
["Employees","units",550,"1,165","1,314",null,"2-29; 3-1; 3-2 "]
["Non-customers","units",504,"n.d.","n.d.",null,"2-29; 3-1; 3-2 "]
["Retail Shareholders","units",341,"1,197",800,null,"2-29; 3-1; 3-2 "]
["Suppliers","units",138,157,"n.d.",null,"2-29; 3-1; 3-2 "]
["Group managers","units",35,38,"n.d.",null,"2-29; 3-1; 3-2 "]
["Experts anf analysts","units",18,15,45,null,"2-29; 3-1; 3-2 "]
["BPI Representatives","units",18,"n.d.","n.d.",null,"2-29; 3-1; 3-2 "]
["Society and media BPI","units",16,"n.d.","n.d.",null,"2-29; 3-1; 3-2 "]
[]
["Corporate governance"]
["Good Governance Recommendations (CNMV) - Full Compliance","units",59,59,57,null,"2-29"]
["Good Governance Recommendations (CNMV) - Partial Compliance","units",4,4,5,null,"2-29"]
["Good Governance Recommendations (CNMV) - Non-compliance","units",0,0,1,null,"2-29"]
["Quorum General Shareholders' Meeting (AGM) (Ordinary)","%","76.6%","76.1%","75.4%",null,"2-29"]
["Average approval of items on the AGM agenda","%","92.0%","94.8%","92.4%",null,"2-29"]
["Independent board members","%","60.0%","60.0%","60.0%",null,"2-29"]
["Women on the Board","%","40.0%","40.0%","40.0%",null,"2-29; 405-1"]
["Average attendance at Board meetings ","%",0.99,0.98,0.98,null,"2-29"]
["Board Members - Average term in position","years","5.2","5.0","4.0",null,"2-29"]
["Independent Board Members - Average term in position","years","5.1","5.4","4.4",null,"2-29"]
["Average remuneration of Board Members - Men1","€ thousands",188,173,143,"ü","405-2"]
["Average remuneration of Board Members - Women1","€ thousands",205,197,143,"ü","405-2"]
["1. This does not include remuneration derived from positions other than those of representation on the Board of Directors of CaixaBank, S.A."]
[]
["Shares and Shareholder structure"]
["Share price at end of period","€/share",3726,3672,2414]
["Market capitalization","€m",27.45,"27,520","19,441"]
["Percentage stake \"la Caixa\" Banking Foundation ","%","31.9%","30.0%","30.0%"]
["Percentage stake FROB","%","17.3%","16.1%","16.1%"]
["Percentage stake in Own Shares, Board Members and other shareholders with Board representation","%","1.8%","7.0%","0.1%"]
["Percentage stake Free float - management","%","48.9%","46.8%","53.7%"]
["Free float - Retail","%","28.1%","28.1%","28.0%"]
["Free float - Institutionals (Nacionals and Internationals)","%","70.5%","70.5%","70.3%"]
["Free float - Employees","%","1.4%","1.5%","1.7%"]
["Shareholders","units",590.31299999999999,"617,806","663,457"]
["Shareholder remuneration for the year1","€/share","0.39","0.23","0.15"]
["1. Dividend charged in the previous year."]
[]
["Commercial positioning"]
["Customers ","m","20.1","20.2","20.7","ü","2-6",null,8]
["Customers Spain","m","18.2","18.3","18.9","ü","2-6",null,8]
["Customers Portugal","m","1.9","1.9","1.9","ü","2-6",null,8]
["Market share in Spain"]
["Share of private customers ","%","41.0%","41.9%",0.43,null,"2-6",null,8]
["Share of private customers as primary bank","%","30.0%","31.5%",0.32,null,"2-6",null,8]
["Share of Spanish self-employed workers","%","44.0%","41.6%","44.3%",null,"2-6",null,8]
["Share of businesses (turnover <1 €m)","%","31.3%","31.5%","32.3%",null,"2-6",null,8]
["Loans to households and businesses","%","23.5%","24.0%","24.2%",null,"2-6",null,8]
["Loans to business","%","23.5%","23.8%","23.7%",null,"2-6",null,8]
["Mortgage Credit","%","24.8%","25.6%","25.9%",null,"2-6",null,"8; 10"]
["Household and business deposits","%","24.7%","24.7%","25.2%",null,"2-6",null,8]
["Pension plans","%","34.0%","34.0%","33.9%",null,"2-6",null,8]
["Investment funds","%","23.6%","24.5%","24.5%",null,"2-6",null,"8; 12"]
["Life-risk insurance","%","26.0%","23.2%","23.3%",null,"2-6",null,8]
["Health insurance1","%","30.6%","28.9%","28.9%",null,"2-6",null,3]
["Card turnover","%","31.1%","31.4%","32.7%",null,"2-6",null,"8; 9"]
["POS invoicing","%","30.9%","31.5%","36.7%",null,"2-6",null,"8; 9"]
["Direct debit of pensions","%","34.3%","34.2%","33.7%",null,"2-6",null,8]
["Savings insurance2","%","36.5%","35.5%","34.7%",null,"2-6",null,8]
["Long-term savings2,3","%","29.3%","29.7%","29.5%",null,"2-6",null,8]
["1. Data as of September 2023."]
["2. Includes the Sa Nostra Vida portfolio in the 2022 data. Merged in 2023 by VidaCaixa."]
["3. Combined share of investment funds, pension plans and savings insurance. Savings insurance data for the sector, estimated from the total return on life insurance."]
[]
["Market share in Portugal"]
["Loans to households and businesses","%","11.7%","11.5%","11.1%",null,"2-6",null,8]
["Loans to business","%","11.3%","11.0%","10.6%",null,"2-6",null,8]
["Mortgage Credit","%","14.4%","13.8%","13.2%",null,"2-6",null,"8; 11"]
["Household and business deposits","%","10.5%","10.9%","10.9%",null,"2-6",null,8]
["Direct deposit of salaries","%","10.3%","10.0%","9.7%",null,"2-6",null,8]
["Investment funds (including PPRs)1","%","15.6%","11.6%","10.5%",null,"2-6",null,"8; 12"]
["1. Asset management perspective."]
[]
["Local accesible banking"]
["Network in Spain"]
["Branches","units",3.8759999999999999,"4,081","4,966","ü","2-6",null,"8; 12"]
["Retail branches","units",3.6179999999999999,"3,818","4,615","ü","2-6",null,"8; 12"]
["of which Stores","units",912,705,608,"ü","2-6",null,"8; 12"]
["of which Stores Business","units",67,67,"841","ü","2-6",null,"8; 12"]
["of which AgroBank rural branches","units",1.1499999999999999,"1,152","1,175","ü","2-6",null,"1; 6; 8; 12; 14"]
["of which all in one (Spain)","units",7,5,4,"ü","2-6",null,"8; 12"]
["Private Banking Centres","units",86,88,127,"ü","2-6",null,"8; 12"]
["Business Centres","units",157,160,208,"ü","2-6",null,"8; 12"]
["Institutional Banking Centres","units",14,14,15,"ü","2-6",null,"8; 12"]
["Corporate Banking Centres","units",1,1,1,"ü","2-6",null,"8; 12"]
["International points of presence","units",26,27,27,null,"2-6",null,"8; 12"]
["Spanish towns with >5,000 inhabitants where CaixaBank has a presence","%",0.99,0.99,0.99,"ü",null,null,"1; 11"]
["Spanish towns with >10,000 inhabitants where CaixaBank has a presence","%",1,1,1,"ü",null,null,"1; 11"]
["Number of towns in which it is the only financial institution present","units",483,471,420,"ü",null,null,"1; 11"]
["Spanish towns where CaixaBank is present","units",2.2330000000000001,"2,233","2,234","ü",null,null,"1; 11"]
["Citizens with a branch in their municipality","%",0.92,0.91800000000000004,0.91800000000000004,"ü",null,null,"1; 11"]
["Number Mobile Branches (ofibuses)","units",19,17,14,null,null,null,"1; 8; 11"]
["Number of towns covered by Mobile Branches (ofibuses)2","units",687,626,426,null,null,null,"1; 8; 11"]
["Accessible branches","%",0.89,0.88,0.86,"ü",null,null,"1; 8; 10; 11"]
["Branches where barriers have been removed (Spain)","units",42,48,16,"ü",null,null,"1; 8; 10; 11"]
["ATMs","units",11.335000000000001,"11,608","13,008","ü","2-6",null,"1; 8; 9; 10; 11"]
["Accessible ATMs","%",1,1,1,"ü",null,null,"1; 8; 9; 10; 11"]
["1. In 2021 they included the Store Business Centers for microenterprises."]
["2. 783 populations served in January 2024."]
["Network in Portugal"]
["Portugal branches","units",315,324,348,"ü","2-6"]
["Retail branches","units",271,278,297,"ü","2-6"]
["Premier/Private Centres","units",15,17,22,"ü","2-6"]
["Business Centres","units",29,29,29,"ü","2-6"]
["Portuguese towns and villages > 5,000 inhabitants with presence","%","61.0%","61.0%","63.0%","ü",null,null,"1; 11"]
["Branches where barriers have been removed (Portugal)","units",13,14,"n.d.","ü",null,null,"1; 11"]
["ATMs- Portugal","units",1.2589999999999999,"1,339","1,418","ü","2-6",null,"1; 8; 9; 10; 11"]
[]
["Innovation, multi-channel communication and digitalisation"]
["CaixaBank Spain"]
["Digital clients (Now Customers)","m","11.5","11.2","10.5",null,null,null,"8; 9"]
["Mobile customers only","m","8.0","7.2","6.2",null,null,null,"8; 9"]
["Mobile customers (w/ digital customers)","%",0.7,0.65,0.54,null,null,null,"8; 9"]
["Customers that connect daily (6-month average)","m","4.8","4.6","3.0",null,null,null,"8; 9"]
["inTouch customers","m","3.3","3.4","2.3",null,null,null,"8; 9"]
["Imagin customers","m","3.3","4.2","3.7",null,null,null,"8; 9"]
["Digital cards (mobile or watch)","m","4.9","4.9","3.8",null,null,null,"8; 9"]
["Purchases made with mobile phones","m","2.6","1.90","1.15",null,null,null,"8; 9"]
["BPI"]
["Digital customers (BPI Net)","m","0.9","0.9","0.8",null,null,null,"8; 9"]
["CaixaBank Group"]
["Card turnover","€m","106,146","96,572","64,214",null,null,null,"8; 9"]
["Points of sale (dataphones)","€m","611,844","593,241","713,243",null,null,null,"8; 9"]
[]
["Customer experience and quality"]
["Spain"]
["NPS Real Time Surveys Sent","m/month",2.8,"1.7","n.d"]
["Comments received in Real Time surveys","m","1.2","n.d","n.d"]
["IE Institutions","units","93.4","92.4","n.d."]
["IE Corporations","units","92.2","91.6","n.d."]
["NPS Branch1","units","78.0","64.0","54.2"]
["NPS Retail Branch","units","73.7","60.7","n.d."]
["NPS Companies Branch","units","86.7","n.d.","n.d."]
["NPS Private Banking Branch","units","93.4","88.3","n.d."]
["CTL Management","%","80.6",73,"n.d."]
["CTL improves NPS2","p.p","5.2","4.1","n.d."]
["BPI"]
["IE Individuals","units","88.9","90.6","91.4"]
["IE Premier","units","86.6","87.1","88.6"]
["IE Business","units","85.5","84.8","85.6"]
["1. The NPS measures CaixaBank customer recommendation on a scale from 0 to 10. The index is the result of the difference between % Promoter customers (ratings 9-10) and Detractor customers (ratings 0-6).\n"]
["2. Percentage points of NPS improvement by Close the Loop alert management."]
[]
["Cybersecurity, efficiency and IT infrastructure"]
["Investment in information security","€m","> 60","> 60","> 50",null,null,null,"8; 9"]
["People in the Security & Governance team","units","> 80","> 80","> 50",null,null,null,"8; 9"]
["Phishing simulations per employee/year","units",12,12,12,null,null,null,"8; 9"]
["0-clickers in phishing campaigns","%",0.63,0.59,0.33,null,null,null,"8; 9"]
["Employees trained in Cybersecurity","%",0.96,0.99,0.99,null,null,null,"8; 9"]
["Investment in development and technology","€m","1,263","1,051","1,038",null,null,null,"8; 9"]
["Transactions processed","m","240,604","214,567","153,179",null,null,null,"8; 9"]
["Relevant incidents resolved in less than 4 hours","%",0.84,0.83,0.85,null,null,null,"8; 9"]
["Number of applications managed in the internal cloud","units","1,117","1,035",612,null,null,null,"8; 9"]
["Quality And Resilience. CSF indicator","m","4.1","3.9","n.d.",null,null,null,"8; 9"]
["Operations automated by the virtual assistant","units",109,90,"n.d.",null,null,null,"8; 9"]
["CaixaBank Tech staff with Agile training","%","88.0%","39.8%","n.d.",null,null,null,"8; 9"]
["Data managed daily in the datapool model","TB",22,20,15,null,null,null,"8; 9"]
["Cloudnow Savings in the current year","€m","13.9","4.2","n.d.",null,null,null,"8; 9"]
["Cloud Absorption in the current year","%",0.3,0.25,"n.d.",null,null,null,"8; 9"]
["Cases of robotics implemented","units",502,444,451,null,null,null,"8; 9"]
["Number of leaks with information","units",0,0,0,null,"418-1","ü","8; 9"]
["Number of leaks with personally identifiable information","units",0,0,0,null,"418-1","ü","8; 9"]
["Number of customers affected by leaks of personally identifiable information","units",0,0,0,null,"418-1","ü","8; 9"]
[]
["People working in CaixaBank"]
["CaixaBank Group employees","units","44,863","44,625","49,762","ü","2-7",null,8]
["CaixaBank, S.A.","units","36,225","36,089","41,602",null,"2-7",null,8]
["BPI","units","4,263","4,387","4,462",null,"2-7",null,8]
["Companies of the Group","units","4,375","4,149","3,698",null,"2-7",null,8]
["Average age","years","46.4","45.8","46.0","ü","2-7",null,8]
["Average length of service","years","18.5","17.9","18.4",null,"2-7",null,8]
["Number of employees with disabilities","units",593,578,588,"ü","2-7; 405-1",null,8]
["Employees with permanent or indefinite full-time contracts","%","99.6%","99.5%","99.8%","ü","2-7",null,8]
["Women","%","56.3%","56.5%","55.5%","ü","2-7 ; 405-1",null,"5; 8"]
["Women in management positions starting from subdirectorate of a large office (A or B)1","%","43.0%","41.8%","41.3%",null,"2-7; 405-1",null,"5; 8"]
["Management positions covered internally1","%","99.0%","100.0%","99.9%",null,"2,7; 401-1",null,8]
["Average remuneration","€","73,588","68,109","64,754","ü","2-7; 2-21; 405-2 ",null,8]
["Average remuneration - Women","€","68,090","62,534","59,082","ü","2-7; 2-21; 405-2 ",null,8]
["Average remuneration - Men","€","80,702","75,368","71,872","ü","2-7; 2-21; 405-2 ",null,8]
["Adjusted gender wage gap","%","1.10%","1.10%","1.05%","ü","2-7; 405-2",null,"5; 8"]
["Average remuneration - Upper management","€","123,765","114,432","102,604","ü","2-7; 2-21; 405-2 ",null,8]
["Average Remuneration - Middle management","€","87,202","81,676","76,749","ü","2-7; 2-21; 405-2 ",null,8]
["Average remuneration - Other employees","€","61,219","56,222","53,650","ü","2-7; 2-21; 405-2 ",null,8]
["Contributions to the Employee Pension System","€m",177,"n.d","n.d","ü","2-7; 2-21; 405-2 ",null,8]
["Insurance (health policy and car service management)","€m",25,"n.d","n.d","ü","2-7; 2-21; 405-2 ",null,"3; 8"]
["Training hours per employee","hours","66.1","70.0","82.0","ü","2-7; 404-1",null,"4; 8"]
["Online training","%","93.7%","96.4%","98.2%","ü","2-7; 404-1",null,"4; 8"]
["Investment in training by employee","€",338,334.58,263,"ü","2-7; 404-1",null,"4; 8"]
["Employees certified in MiFiD II1","units","31,843","33,512","32,088",null,"2-7; 404-1 ; 404-2",null,"4; 8"]
["Employees trained in the Real Estate Credit Act1","units","29,189","28,792","30,664",null,"2-7; 404-1 ; 404-2",null,"4; 8"]
["Employees trained in IDD (Insurance Distribution Directive)1","units","30,510","30,440","33,259",null,"2-7; 404-1 ; 404-2",null,"4; 8"]
["New hires","units",1.2949999999999999,949,172,"ü","2-7; 401-1",null,8]
["New hires - women","units",556,453,95,"ü","2-7; 401-1",null,8]
["New hires - men","units",739,496,77,"ü","2-7; 401-1",null,8]
["Layoffs","units",153,113,82,"ü","2-7; 401-1",null,8]
["Layoffs - women","units",75,57,39,"ü","2-7; 401-1",null,8]
["Layoffs - men","units",78,56,43,"ü","2-7; 401-1",null,8]
["Employees covered by a collective agreement","%",1,1,1,"ü","2-7; 2-30",null,8]
["Employees who enjoyed reductions in working hours (childcare)1","units",2.0169999999999999,"2,326","2,166",null,"2-7",null,"5; 8"]
["Employees on leave of absence (personal care, etc.)1","units",507,526,615,null,"2-7",null,"5; 8"]
["Employees who enjoyed paid leave1","units",2.492,"3,081","3,059",null,"2-7",null,"5; 8"]
["Number of work-related accidents","units",452,430,418,"ü","2-7; 403-9",null,"3; 8"]
["Number of work-related accidents - Women","units",319,315,288,"ü","2-7; 403-9",null,"3; 8"]
["Number of work-related accidents - Men","units",133,115,130,"ü","2-7; 403-9",null,"3; 8"]
["Frequency of work-related accidents (Accident Rate)","units","1.61","1.57","0.90","ü","2-7; 403-9",null,"3; 8"]
["Frequency of work-related accidents (Accident Rate) - Women","units","2.18","2.22","1.07","ü","2-7; 403-9",null,"3; 8"]
["Frequency of work-related accidents (Accident Rate) - Men","units","0.86","0.76","0.70","ü","2-7; 403-9",null,"3; 8"]
["Severity rate","units","0.12","0.11","0.10","ü","2-7; 403-9",null,"3; 8"]
["Severity rate - Women","units","0.15","0.13","0.11","ü","2-7; 403-9",null,"3; 8"]
["Severity rate - Men","units","0.09","0.07","0.09","ü","2-7; 403-9",null,"3; 8"]
["Manageable absenteeism rate","%","3.8%","4.2%","3.5%","ü","2-7",null,"3; 8"]
["Commitment Study Participation2","%",0.75,0.75,0.74,null,"2-7",null,8]
["Commitment Study Overall Satisfaction2","%",0.67,0.67,0.56000000000000005,null,"2-7",null,8]
["1. CaixaBank, S.A"]
["2. The Study is carried out biennially, so the results for 2022 and 2023 are the same."]
[]
["Responsible and Ethical Behaviour"]
["Awareness-raising activities ","units",165,408,361,"ü","2-23; 2-25; 2-27; 205-1; 205-2",null,"12; 16"]
["Complaints Channel","units",62,27,33,"ü","2-23; 2-25; 2-26; 2-27; 205-1",null,"12; 16"]
["s/ Telematic Code of Conduct","units",3,"n.d.","n.d.","ü",null,null,"12; 16"]
["s/ Marketing of products, transparency and customer protection","units",16,16,17,"ü","417-1; 417-2; 417-3",null,"12; 16"]
["s/ Data protection / confidentiality of information","units",9,1,4,"ü",null,null,"12; 16"]
["s/ Integrity1","units",6,2,3,"ü",null,null,"12; 16"]
["s/ Non-compliance with AML/FT regulations","units",0,2,1,"ü","205-1",null,"12; 16"]
["s/ Workplace and sexual harassment","units",14,"n.d.","n.d.","ü",null,null,"12; 16"]
["Others","units",14,6,8,"ü",null,null,"12; 16"]
["Consultation Channel","units",456,388,417,"ü","2-23; 2-25; 2-26; 2-27; 205-1",null,"12; 16"]
["About Product marketing, transparency and customer protection","units",49,18,10,"ü",null,null,"12; 16"]
["About Data protection / Confidentiality of information","units",19,4,12,"ü","418-1",null,"12; 16"]
["About Conflicts of interest","units",165,113,117,"ü",null,null,"12; 16"]
["About Non-compliance with AML/CFT regulations","units",28,28,19,"ü","205-1",null,"12; 16"]
["About Internal Code of Conduct (ICC)","units",46,73,207,"ü",null,null,"12; 16"]
["About Anti-corruption Policy","units",46,37,15,"ü","205-3",null,"12; 16"]
["About Inside Information","units",1,19,14,"ü",null,null,"12; 16"]
["About Commercial and professional integrity in insurance distribution","units",7,21,"n.d.","ü","417-1; 417-2; 417-3",null,"12; 16"]
["Other","units",95,75,23,"ü",null,null,"12; 16"]
["Formal complaints regarding possible harassment2","units","n.d.",2,7,"ü",null,null,"12; 16"]
["Reputational Risk Response Service - Enquiries","units",284,235,293,null,null,null,"12; 16"]
["Controversial sectors with framework for action","units",34,23,31,null,null,null,"12; 16"]
["People investigated / with sanctions","units",37,"n.d.","n.d.",null,null,null,"12; 16"]
["Protocol in tax havens","units",23,"n.d.","n.d.",null,null,null,"12; 16"]
["Product Committee","units",28,"n.d.","n.d.",null,null,null,"12; 16"]
["ESG sectors (defense and ESG policies)","units",51,65,129,null,null,null,"12; 16"]
["Other queries","units",111,147,133,null,null,null,"12; 16"]
["1. Includes Code of Ethics, Anti-Corruption Policy, Conflict of Interest and Crime Prevention."]
["2. In 2023, formal complaints regarding harassment cases have been included in the complaints channel."]
[]
["Transparency and responsible marketing "]
["Products/services analysed (Product Committee)","units",214,234,224,null,"417-1",null,"12; 16"]
["Products/services denied in the first instance (Product Committee)","units",5,2,6,null,"417-1",null,"12; 16"]
["Review of ads or ad projects (Self-monitoring)","units",5.3879999999999999,"6,015","6,611",null,"417-1",null,"12; 16"]
["Customer Service Office (SAC)"]
["Complaints received - SAC - CaixaBank"]
["Prejudicial","units",103.754,30.414999999999999,51.128,"ü","2-29",null,"12; 16"]
["Rest","units",175.79300000000001,170.46700000000001,112.23099999999999,"ü","2-29",null,"12; 16"]
["Complaints received - SAC - Affiliated subsidiaries"]
["Prejudicial","units",25.170999999999999,21.324999999999999,8.2579999999999991,"ü","2-29",null,"12; 16"]
["Rest","units",34.045999999999999,30.036999999999999,31.995000000000001,"ü","2-29",null,"12; 16"]
["Average time for resolution - < 10 days","%",0.78,0.64200000000000002,0.35,"ü",null,null,"12; 16"]
["Average time for resolution - 10 to 30 days","%",0.2,0.29210000000000003,0.45,"ü",null,null,"12; 16"]
["Average time for resolution - More than 30 days","%",0.02,6.59E-2,0.2,"ü",null,null,"12; 16"]
["Resolution - in favor of the claimant","%",0.5,0.47439999999999999,0.47,"ü",null,null,"12; 16"]
["Resolution - in favour of the bank","%",0.37,0.35,0.38,"ü",null,null,"12; 16"]
["Rejected / no decision","%",0.13,0.18390000000000001,0.15,"ü",null,null,"12; 16"]
["Supervisory Claims Services","units",5.0880000000000001,"6,875","3,722","ü",null,null,"12; 16"]
["Contact Centre Customers"]
["Contacts Contact Center CaixaBank Group Clients1","units","7,663,724","8,235,638","9,574,251","ü","2-29",null,"12; 16"]
["Contacts Contact Center BPI Clients","units",938.51900000000001,996.23800000000006,"1,025,369","ü","2-29",null,"12; 16"]
["Contacts Contact Center Clients Consumer Finance","units","1,243,168","1,185,926","1,352,794","ü","2-29",null,"12; 16"]
["Shareholders and Investors"]
["Number of meetings of the Shareholders Advisory Committee","units",4,4,3,"ü","2-29",null,"12; 16"]
["Meetings (roadshows) Investors and analysts","units",519,492,406,"ü","2-29",null,"12; 16"]
["1. CaixaBank Group contacts except BPI and Consumer Finance."]
[]
["Financial inclusion"]
["CaixaBank issued social bonds ","€m",1,"1,000","1,000","ü","203-1; 203-2; 413-1","ü","1; 3; 4; 8"]
["Micro-loans and other loans with social impact granted","€m",1.383,"1,016",953,"ü","203-1; 203-2; 413-1","ü","1; 8; 10"]
["Families","€m",862,636.49345500000004,547,"ü","203-1; 203-2; 413-1","ü","1; 2; 10"]
["Businesses","€m",253,171.14222100000001,196,"ü","203-1; 203-2; 413-1","ü","8; 9"]
["Other loans with social impact","€m",268,208.18179499999999,210,"ü","203-1; 203-2; 413-1","ü","1; 3; 4; 9; 10"]
["Accumulated bad debts over matured granted capital","%","6.15%","6.18%","6.07%",null,null,"ü"]
["Micro-loans and other loans with social impact granted","units",144.47300000000001,"100,323","107,222","ü","203-1; 203-2; 413-1",null,"1; 8; 10"]
["New businesses created thanks to the support of entrepreneurs","units",8.6210000000000004,"5,876","6,672","ü","203-1; 203-2; 413-1",null,"1; 8; 10"]
["Jobs created thanks to the support of entrepreneurs","units",28.521000000000001,"17,455","17,007","ü","203-1; 203-2; 413-1",null,"1; 8; 10"]
["Banking products for vulnerable groups (Basic Payment Accounts + Social Accounts + Insertion Accounts)1","units",359.93799999999999,"324,685","211,432","ü","413-1","ü","1; 8; 10"]
["No, of specialised advisers exclusively dedicated to senior group","units",1.61,"1,233","n.a.",null,null,null,"1; 10"]
["No, of face-to-face training sessions for senior group","units",5.2949999999999999,"3,000","n.a.",null,null,null,"1; 10"]
["NPS senior group","units","72.3","64.1","n.a."]
["1. In 2022 and 2021 it only included social accounts + embed accounts."]
[]
["Sustainable Business"]
["Sustainable Business Spain"]
["Mobilising sustainable finance (accumulated 2022-2024)","€m",50.813000000000002,"23,583","n.d.","ü","201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Mobilizing sustainable finance (current year)","€m",27.23,"23,583","n.d.","ü","201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Sustainable financing (current year)","€m",25.096,"20,633","n.d.","ü","201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["of which: according to type"]
["Green","€m",9.33,"8,074","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Renewable energy1","€m",4.79,"3,065","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Real Estate","€m",3.149,"3,532","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Infrastructure","€m",182,"311","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Transport","€m",460,"310","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Circular Economy","€m",717,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Other","€m",32,"856","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Social","€m",3.085,"1,016","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Sustainability linked","€m",12.680999999999999,"11,543","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Mitigation","€m",7.54,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Governance","€m",1.764,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Circular Economy","€m",984.04560000000004,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Social","€m",541.4787,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Water resources","€m",405.79200000000003,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Biodiversity","€m",247.27950000000001,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Others","€m",1.198,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["of which: according to category"]
["Retail","€m",1.7490000000000001,"1,645","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Corporations2","€m",4.1230000000000002,"2,850","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["CIB&IB","€m",19.224,"16,138","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Sustainable intermediation (current year)","€m",2.133,"2,950","n.d.","ü","201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["of which: participation in the placement of sustainable bonds (excluding own issues)","€m",1.66,"1,134","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["of which: increase in managed sustainable assets","€m",473,"1,816","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Sustainable Business Portugal3"]
["Mobilizing sustainable finance (accum. 2022-2024)","€m",4.0670000000000002,2.1850000000000001,"n.d.","ü","201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Mobilizing sustainable finance (current year)","€m",1.881,2.1850000000000001,"n.d.","ü","201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Sustainable financing (current year)","€m",1.0409999999999999,785,"n.d.","ü","201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["of which: according to typology"]
["Green","€m",672,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Social","€m",22,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Linked to sustainability","€m",347,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["of which: according to category"]
["Retail","€m",260,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Companies and CIB","€m",781,"n.d.","n.d.",null,"201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["Sustainable intermediation (current year)","€m",840,"1,400","n.d.","ü","201-2; 203-1; 203-2; 413-1",null,"7; 12; 13"]
["1. Includes renewable energy financing operations - Project Finance and others."]
["2. The promotional activity contributes €1,464 million."]
["3. Sustainable finance mobilization - business Portugal: Includes Credit for both Companies (Companies + CIB + Institutions), and for Individuals, as well as participation in the placement of sustainable bonds. In relation to sustainable intermediation, Funds and Insurance articles 8 and 9 are included, under SFDR, both for liquid deposits and for transformation, as well as Funds from third-party managers."]
[]
["Responsible Investment"]
["Assets under management with a rating articles 8 and 9 according to SFDR\n(Spain) - (VC+CAM)","€m",57.787999999999997,"47,605","48,704",null,"413-1",null,12]
["Assets under management with a rating articles 8 and 9 according to SFDR\n(Portugal) - (VC+CAM)","€m",5.6710000000000003,"4,847","2,522",null,"413-1",null,12]
["VidaCaixa"]
["Managed customer resources (Spain)1","€m",115.411,"107,478","106,032",null,"2-6",null,12]
["Managed customer resources (Portugal)1","€m",7.5229999999999997,7.319,7.9779999999999998,null,"2-6",null,12]
["Investments which take ESG criteria into account","%",1,1,1,null,"413-1",null,12]
["Exposure to sustainable bonds","€m",6.3390000000000004,"5,914","2,236",null,"413-1",null,12]
["Exposure to green bonds","€m",3.444,"2,741","1,283",null,"413-1",null,"12; 15"]
["Exposure to sustainable bonds","€m",781,624,523,null,"413-1",null,"12; 15"]
["Exposure to social bonds","€m",1.8009999999999999,"2,235",327,null,"413-1",null,"12; 15"]
["Exposure to sustainability-linked bonds","€m",313,314,103,null,"413-1",null,"6; 12"]
["Engagement"]
["Collective dialogues","units",6,6,6,null,"2-29; 413-1",null,12]
["Dialogues with companies on ESG topics","units",124,65,44,null,"2-29; 413-1",null,12]
["Dialogues with external managers on ESG topics","units",13,12,15,null,"2-29; 413-1",null,12]
["ESG Due Diligence with external managers","units",278,340,286,null,"2-29; 413-1",null,12]
["Investment in companies subject to engagement processes","%",0.22,0.11,0.11,null,"2-29; 413-1",null,12]
["ESG topics covered in dialogues with companies","units",193,117,82,null,"2-29; 413-1",null,12]
["Proxy voting"]
["Meetings where Board members have voted against for reason of ESG controversy","units",16,16,19,null,"2-29; 413-1",null,12]
["Meetings where shareholder resolutions on environmental and social issues were voted in favour of","units",88,77,61,null,"2-29; 413-1",null,12]
["Distribution of assets of products under SFDR (Pension plans in Spain)2"]
["Heritage of products classified under article 6","€m/%","12,659 / 28.5%","21,843 / 51.4%","24,770 / 52.8%",null,"413-1",null,12]
["Heritage of products with sustainability rating (article 8)","€m/%","30,551 / 68.8%","19,108 / 45.0%","21,970 / 46.8%",null,"413-1",null,12]
["Heritage of products with sustainability rating (article 9)","€m/%","1,181 / 2.7%","1,507 / 3.5%","195 / 0.4%",null,"413-1",null,12]
["Distribution of assets of products under SFDR (Pension plans in Portugal)"]
["Heritage of products classified under article 6","€m/%","2,809 / 43.3%","3,549 / 56.1 %","n.d.",null,"413-1",null,12]
["Heritage of products with sustainability rating (article 8)","€m/%","3,683 / 56.7 %","2,777 / 43.9 %","n.d.",null,"413-1",null,12]
["Heritage of products with sustainability rating (article 9)","€m/%","0 / 0.0%","0 / 0.0 %","n.d.",null,"413-1",null,12]
["1. Includes the life and pension plan business of VidaCaixa, S.A."]
["2. Does not include the business from the merger with Sa Nostra Vida."]
["CaixaBank Asset Management"]
["Assets under management (Spain)","€m",89.784000000000006,"81,503","84,507",null,"2-6",null,12]
["Assets under management (Portugal)","€m",6.7249999999999996,6.9420000000000002,7.9589999999999996,null,"2-6",null,12]
["Assets under management (Luxembourg)","€m",808,837,967,null,"2-6",null,12]
["Discretionary portfolio management (Spain)","€m",45.445999999999998,43.722999999999999,43.722999999999999,null,"2-6",null,12]
["Discretionary portfolio management (Portugal)","€m",3.3809999999999998,3.5819999999999999,4.09,null,"2-6",null,12]
["Investments which take ESG criteria into account","%",1,1,1,null,"413-1",null,12]
["Exposure to sustainable bonds","€m",4.351,"4,018","4,231",null,"413-1",null,12]
["Exposure to green bonds","€m",2.8860000000000001,"2,315","2,372",null,"413-1",null,"12; 15"]
["Exposure to sustainable bonds","€m",349,"309","1,111",null,"413-1",null,"12; 15"]
["Exposure to social bonds","€m",755,995,479,null,"413-1",null,"12; 15"]
["Exposure to sustainability-linked bonds","€m",361,400.5,269,null,"413-1",null,"6; 12"]
["Engagement1"]
["Collective dialogues","units",3,3,2,null,"2-29; 413-1",null,12]
["Dialogues with companies on ESG topics","units",647,131,115,null,"2-29; 413-1",null,12]
["ESG Due Diligence with external managers and dialogues with third parties managers","units",200,161,230,null,"2-29; 413-1",null,12]
["ESG topics covered in dialogues with companies","units",1.623,162,172,null,"2-29; 413-1",null,12]
["Proxy voting"]
["Meetings where Board members have voted against for reason of ESG controversy","units",25,17,20,null,"2-29; 413-1",null,12]
["Meetings where shareholder resolutions on environmental and social issues were voted in favour of","units",95,81,61,null,"2-29; 413-1",null,12]
["Distribution of assets of products actively marketed under SFDR - Spain"]
["Heritage of products classified under article 6","€m/%","56,095 / 68.3%","48,146 / 64.1%","50,360 / 65.5%",null,"413-1",null,12]
["Heritage of products with sustainability rating (article 8)","€m/%","24,424 / 29.7%","24,495/32.6%","23,325 / 30.3%",null,"413-1",null,12]
["Heritage of products with sustainability rating (article 9)","€m/%","1.633 / 2.0%","2,495 / 3.3%","3,214  / 4.2%",null,"413-1",null,12]
["Distribution of assets of products actively marketed under SFDR - Portugal"]
["Heritage of products classified under article 6","€m/%","1,536 / 43.6%","1,467 / 41.5%","1,514 / 37.5%",null,"413-1",null,12]
["Heritage of products with sustainability rating (article 8)","€m/%","1,885 / 53.5%","1,994 / 56.4%","2,522 / 62.5%",null,"413-1",null,12]
["Heritage of products with sustainability rating (article 9)","€m/%","103 / 2.9%","76 / 2.1%","0 / 0%",null,"413-1",null,12]
["1. Dialogues include those active as of 12/31 as well as those started and completed within fiscal year 2023."]
[]
["Environmental strategy section"]
["CaixaBank issued green bonds1","€m",1.25,"2,000","2,582","ü","203-1; 203-2; 413-1",null,"6; 7; 9; 11; 12"]
["Participation in the placement of sustainable bonds2","€m",533,475,"n.d.","ü","203-1; 203-2; 413-1",null,"7; 9; 12; 13"]
["Participation in the placement of green bonds2","€m",1.01,"476","n.d.","ü","203-1; 203-2; 413-1",null,"7; 9; 12; 13"]
["Participation in the placement of Sustainability Linked Bonds2","€m",117,183,"n.d.","ü","203-1; 203-2; 413-1",null,"7; 9; 12; 13"]
["Equator Principles - Operations Funded","€m",841,"1,286","843","ü","201-2; 203-2; 403-2; 413-1; 413-2; 403-2",null,"7; 12; 13"]
["Category A (significant potential ESG impacts)","€m",346,536,0,"ü","201-2; 203-2; 403-2; 413-1; 413-2; 403-2",null,"7; 12; 13"]
["Category B (limited and mitigable potential ESG impacts)","€m",225,439,"843","ü","201-2; 203-2; 403-2; 413-1; 413-2; 403-2",null,"7; 12; 13"]
["Category C (minimal or no adverse potential ESG impacts)","€m",270,311,0,"ü","201-2; 203-2; 403-2; 413-1; 413-2; 403-2",null,"7; 12; 13"]
["Taxonomy - (EU) Regulation No, 2020/852 of the European Parliament and Council"]
["Banking Group - does not include insurance group"]
["According to Turnover"]
["% Eligible Assets","%","41.9%","n.d.","n.d.",null,null,null,12]
["% Aligned assets","%","1.1%","n.d.","n.d.",null,null,null,12]
["According to CAPEX"]
["% Eligible Assets","%","42.7%","n.d.","n.d.",null,null,null,12]
["% Aligned assets","%","2.3%","n.d.","n.d.",null,null,null,12]
["Insurance Business"]
["% Eligible Assets","%",7.0000000000000007E-2,"n.d.","n.d.",null,null,null,12]
["% Aligned assets","%","2.7%","n.d.","n.d.",null,null,null,12]
["Pension Plan and EPSV Business"]
["% Eligible Assets","%",0.03,"n.d.","n.d.",null,null,null,12]
["% Aligned assets","%","1.1%","n.d.","n.d.",null,null,null,12]
["1. Green bond issued in the month of February 2024."]
["2. Corresponds to CaixaBank's participation in the placement of sustainable bonds (green, social or SLB) for its clients. It does not include the placement of own issues, such as the social bond issued by CaixaBank."]
[]
["Access to housing"]
["Payment in kind current year","units",334,419,843,"ü","203-1; 203-2",null,"1; 10; 11"]
["Files reviewed by the Mortgage Customer Service","units",1.431,"2,443","2,216","ü","203-1; 203-2",null,"1; 10; 11"]
["Homes in social rent programme - Spain","units",9.9920000000000009,"11,105","13,235","ü","203-1; 203-2",null,"1; 10; 11"]
["Properties with bonus","units",2.99,"3,360","4,160","ü","203-1; 203-2",null,"1; 10; 11"]
["Properties without bonus","units",6.5570000000000004,"7,161","7,996","ü","203-1; 203-2",null,"1; 10; 11"]
["Centralised social rental programme - \"la Caixa\" Foundation","units",445,584,"1,079","ü","203-1; 203-2",null,"1; 10; 11"]
["Average amount of rentals in the social portfolio with bonus","€",307.04000000000002,279.89999999999998,261.51,"ü","203-1; 203-2",null,"1; 10; 11"]
["Average amount of rentals in the social portfolio without bonus","€",216.6,226.71,219.84,"ü","203-1; 203-2",null,"1; 10; 11"]
[]
["Financial culture"]
["No, Talks held","units",1.016,363,"n.d.",null,"413-1","ü","1; 4"]
["No, Attendees to talks","units","> 73,000","59,873","n.d.",null,"413-1","ü","1; 4"]
["No, Courses completed","units",8,13,"n.d.",null,"413-1","ü","1; 4"]
["No, Workshops completed","units",2.6579999999999999,"2,193","n.d.",null,"413-1","ü","1; 4"]
["No, Sessions completed","units",5.2949999999999999,"3,000","n.d.",null,"413-1","ü","1; 4"]
["No, Attendees to courses, workshops and training sessions","units",72.778999999999996,"43,641","n.d.",null,"413-1","ü","1; 4"]
["No, Webinars completed","units",12,15,"n.d.",null,"413-1","ü","1; 4"]
["No, Podcasts completed","units",24,23,"n.d.",null,"413-1","ü","1; 4"]
["No, Videos completed","units",73,52,"n.d.",null,"413-1","ü","1; 4"]
["No, Digital content views (Webinars, podcasts and videos)","m",48,"12.5","n.d.",null,"413-1","ü","1; 4"]
[]
["Suppliers1"]
["Number of Active suppliers2,3","units",2.0369999999999999,"3,323","3,390",null,"2-6",null,8]
["Volume invoiced by Active suppliers3","€m",2.96,"3,011","2,979",null,"2-6",null,8]
["Suppliers approved at the end of the year4","units",1.4770000000000001,"1,949","1,157","ü","2-6; 308-1; 414-1",null,"8; 13"]
["New Active suppliers","units",171,502,882,null,"2-6",null,8]
["Average payment period to suppliers","days","11.9","16.8","22.1","ü","2-6",null,8]
["Volume negotiated through electronic trading5","€m",1.526,"1,287",636,null,"2-6",null,"8; 9"]
["Volume negotiated through electronic trading","€m",1.294,"1,223",851,null,"2-6",null,"8; 9"]
["Volume of local supplier management - Spain","%",0.87,0.92600000000000005,0.97,"ü","2-6; 204-1",null,8]
["Volume awarded to CEE (Special employment centres)","€m",5,7,"7.3","ü","2-6; 204-1",null,8]
["Supplier audits carried out during the year","units",31,30,30,"ü","2-6; 308-1; 414-1",null,"8; 13"]
["Suppliers certified in social and environmental management","units",721,249,"n.d.","ü","2-6; 308-1; 414-1",null,"8; 13"]
["1. Applicable to Group companies within the corporate Purchasing model. They include suppliers with billing in 2023 exceeding €30,000. Creditors, official organizations, communities of owners are excluded."]
["2. An active supplier is defined as one that meets any of the following: any active contract on Ariba (supplier platform) with an agreement date in the last 3 years; has invoiced in the current or previous year or has participated in any negotiation in the last 12 months. In 2023, the active supplier criterion has been reinforced, eliminating from the definition suppliers related to agreements and collaborations, among others."]
["3. Applicable to Group companies within the Purchasing and VidaCaixa corporate model."]
["4. According to the current approval process, it includes centralized purchasing suppliers that have passed the financial qualification process and decentralized purchasing suppliers that have completed the registration process and have current mandatory certificates."]
["5. Total amount negotiated (multi-year), in 2021 the amount reflected was annual."]
[]
["Social Action"]
["CaixaBank contributions (Social Action)1","€m","8.9","9.6","n.d.","ü","2-8; 203-1; 203-2; 413-1",null,"1; 2; 10; 17"]
["Channelling funds to projects (Social Action)","€m","45.0","49.4","n.d.","ü","203-1; 203-2; 413-1",null,"1; 2; 10; 17"]
["Social Action with the \"la Caixa\" Foundation - Funds aimed at social entities that have been channelled through the branch network2","€m","25.0","25.0","40.0","ü","203-2; 413-1",null,"1; 2; 10; 17"]
["Social Action with the \"la Caixa\" Foundation - Number of activities","units",5.8330000000000002,"5,624","7,607","ü","203-2; 413-1",null,"1; 2; 10; 17"]
["Social Action with the \"la Caixa\" Foundation - Beneficiary entities","units",5.3019999999999996,"5,041","6,427","ü","203-2; 413-1",null,"1; 2; 10; 17"]
["Social Action - Donation platform2","€m","18.5","22.9","21.0","ü","203-2; 413-1",null,"1; 2; 10; 17"]
["Volunteers3","units",17.239999999999998,14,"n.d.","ü","203-2; 413-1","ü","1; 2; 10; 17"]
["CaixaBank Dualiza - Students Benefited ","units",6.9050000000000002,"6,864","6,489","ü","203-2; 413-1","ü","1; 4; 8; 17"]
["CaixaBank Dualiza - Beneficiary Companies","units",1.024,484,459,"ü","203-2; 413-1",null,"1; 4; 8; 17"]
["CaixaBank Dualiza - Beneficiary teachers","units",1.7470000000000001,"2,143","1,767","ü","203-2; 413-1","ü","1; 4; 8; 17"]
["CaixaBank Dualiza - Beneficiary Educational Centers","units",944,316,595,"ü","203-2; 413-1","ü","1; 4; 8; 17"]
["Dualiza annual investment","€m","2.43","n.d.","n.d.","ü","2-8; 203-1; 203-2; 413-1",null,"1; 4; 8; 17"]
["1. In addition to the different contributions to other notable programs and programs with other territorial foundations, the contribution to the CaixaBank Volunteer Association is included."]
["2. The amount is included in the indicator “Channeling funds to projects (Social Action)”."]
["3. Includes the total number of people who have participated in volunteer activities within and outside the scope of the Social Month in the last 12 months. The figure eliminates duplication of those volunteers participating in both areas. Includes participants in the Social Month of May 2023."]
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["Other indicators of interest"]
["Direct and indirect contribution to Spanish GDP","€m",16.896999999999998,"13,323","11,519",null,"201-1; 203-2",null,"8; 9"]
["% Direct and indirect contribution to Spanish GDP","%","1.16%","1.00%","0.96%",null,"201-1; 203-2",null,"8; 9"]
["Gross added value of CaixaBank on the financial and insurance sector","%",0.16,"17%","17%",null,"201-1; 203-2",null,"8; 9"]
["Direct and indirect contribution to Portuguese GDP","€m",1.444,"1,000",913,null,"201-1; 203-2",null,"8; 9"]
["% Direct and indirect contribution to Portuguese GDP","%","0.54%","0.42%","0.43%",null,"201-1; 203-2",null,"8; 9"]
["Gross added value of BPI on the financial and insurance sector","%","9.0%","7.0%","6.8%",null,"201-1; 203-2",null,"8; 9"]
["Jobs generated through the effect of purchases from suppliers1","units",68.929000000000002,"62,928","57,108","ü","203-2",null,"8; 9"]
["Jobs generated through the effect of purchases from suppliers – Portugal1","units",7.8780000000000001,"6,068","6,738","ü","203-2",null,"8; 9"]
["Taxes paid and collection of taxes from third parties2","€m",3.9380000000000002,"3,672","4,074",null,"201-1; 207-4",null,"8; 9"]
["Own taxes paid3","€m",1.903,"1,894","2,254","ü","201-1; 207-4",null,"8; 9"]
["Third-party taxes collected","€m",2.036,"1,778","1,820",null,"201-1; 207-4",null,"8; 9"]
["Total tax rate4","%","21.6%","30.0%","30.0%",null,"201-1; 207-4",null,"8; 9"]
["Other contributions (FGD, FUR, extraordinary contribution to the banking sector Portugal and Patrimonial Benefit DTA's monetizable)","€m",809,"766",748,null,"201-1",null,"8; 9"]
["Entrepreneur XXI Awards - Awards","€m","0.8","0.8","0.8","ü","413-1",null,"8; 9"]
["Entrepreneur XXI Awards - Participants in Spain and Portugal","units",1.056,"1,135",763,"ü","413-1",null,"8; 9"]
["1. CaixaBank Research, based on the value of CaixaBank's activity, the Spanish GDP, employment according to National Accounting and the figures per worker and based on input-output tables from the National Statistics Institute (INE) with data from the fourth quarter. "]
["2. These amounts include both taxes paid and collected from international branches and Luxembourg subsidiaries."]
["3. Does not include Other Contributions (FGD, FUR, Patrimonial Benefit DTA's monetizable and Contributions to the Portuguese Banking Sector)."]
["4. The total tax rate is measured as the percentage that the total taxes paid - excluding Other Contributions (FGD, FUR, Monetary DTA's Patrimonial Benefit and Contributions to the Portuguese Banking Sector) - represent over the profit before taxes 1,903/(1,903+6,924 )=21.56%."]
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["Environmental Management Plan"]
["Electricity consumption1","mWh",233.47200000000001,259.726,302.31900000000002,"ü","302-1",null,"7; 12; 13"]
["Electricity consumption per employee1","mWh","5.25","5.88","6.09",null,"302-3",null,"7; 12; 13"]
["Paper consumption1","Tones",902,815,1.246,"ü","301-1; 306-1",null,"7; 12; 13"]
["Paper consumption per employee1","Tones","0.02","0.02","0.03",null,"301-1; 306-1",null,"7; 12; 13"]
["Water consumption1","m3",421.76900000000001,398.20600000000002,506.84800000000001,"ü","303-5",null,"7; 12; 13"]
["Water consumption per employee1","m3","11.69","10.84","11.89",null,"303-5",null,"7; 12; 13"]
["Greenhouse gas emissions (GHG) generated - Carbon footprint (current perimeter)2","t CO2 eq","230,287.25","211,903.19","216,845.05","ü","305-1; 305-2; 305-3",null,"7; 12; 13"]
["Scope 1","t CO2 eq","8,423.34","9,567.29","9,257.38","ü","305-1",null,"7; 12; 13"]
["Scope 2 (market-based method)","t CO2 eq",0,0,"1,153.55","ü","305-2",null,"7; 12; 13"]
["Scope 3","t CO2 eq","221,863.91","202,326.9","206,434.11","ü","305-3",null,"7; 12; 13"]
["1. Data from CaixaBank, S.A."]
["2. CO₂e = CO₂ equivalent. In line with the PCAF methodology, it includes the following greenhouse gases: CO₂, CH₄, N₂O, HFCs, PFCs, SF₆ and NF₃."]
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["> GHG EMISSIONS FROM THE FINANCING AND INVESTMENT PORTFOLIO - YEAR 2022"]
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["1. Does not include investments or trading portfolio."]
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["> DECARBONIZATION OBJECTIVES"]
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["1. Scope 3 category 1 emissions are considered: Use of sold product, tank-to-wheel.\n2. Commitments and pass-out <=2030 or only financing of renewables are considered mitigating factors."]