Responsible management

We want to be a benchmark in the sector in sustainability. For that, we support socially responsible business management and the integration of social and environmental criteria into our business activity, ensuring best practices in our internal control and corporate governance.

With our commitment, we want to contribute value to society and positively impact on the economic activity of the scope in which we operate, on our customers, shareholders, professionals, suppliers and on the environment.

We follow strict guidelines:

Ethical, socially responsible and sustainable conduct
Maximum service quality
Economic efficiency
Long-term view in decision-making
Permanent innovation

Benchmarks in the management model

Our socially responsible management model has led us to be listed in the most prestigious global sustainability rankings, and to be evaluated by leading sustainability analysts, who place us among the highest-rated financial institutions.

Quality, trust and social commitment are the essence of our company. For this reason, our employees and activities are loyal to our founding values.

Socially Responsible Policies

In order to act as a centre of excellence and to provide value to others, our policies reflect the values and principles that we apply in our internal and external professional relations, in all areas of our activity.

Key ethics and integrity policies

Corporate policies and other corporate documents

Internal code of conduct

Sustainable investment

At CaixaBank, we take into account sustainability factors in the provision of our advisory services with regard to investment and discretionary portfolio management and other products. We are committed to sustainability, and we are strongly implicated with social, economic and environmental development, with a view to providing the best products and services to our customers.

We take into account ESG criteria (environmental, social and good governance) in our investment analysis process, as well as traditional financial and risk criteria. In addition, and in keeping with the regulations on the disclosure of information regarding sustainability in the financial services sector, we work on improving communication on the application of sustainability criteria in investment decision-making.

We carry out numerous initiatives to integrate these sustainability factors into the management of our products, in compliance with the corporate framework of sustainability risk established for the CaixaBank Group, as well as with numerous international agreements and standards in this area that place us as a benchmark company in sustainable investment.

Corporate framework for the integration of ESG risks in the investment and asset management services

Engagement policy

Briefing note on the coherence of remuneration policies with the integration of sustainability risks

Criteria for incorporating ESG factors into managed assets and sustainable investment

Statement on Principal Adverse Impacts of Investment Decisions on Sustainability Factors:

Financial market participant
Financial adviser
- Statement on the Principal Adverse Impacts of investment and insurance advice on sustainability factors [Publication date: June 2024]

Tax Management

Trust is one of the main pillars of CaixaBank, and consequently the group is transparent and guided by the values of integrity, honesty and coherence. We manage our tax obligations and tax compliance in keeping with these values, as are aware of our contribution to sustainable development and the social and economic growth of our society.

General principles of the Corporate policy on tax risk management and tax performance

Access to the Tax Report on the Taxes Managed by the CaixaBank Group:

Data Protection

Our priority is to respect the fundamental right of personal data protection, as well as to preserve the confidentiality of the data we manage of our customers, suppliers and collaborators.

At CaixaBank we have a daily centralized review process of the registrations and modifications of our clients' data that guarantees the integrity of said data.

The Privacy Committee, which reports to the Management Committee, is the governing body and decides on all aspects related to privacy and personal data protection.

Additionally, at CaixaBank we carry out internal audits on compliance with the Privacy Policy.

Data Confidentiality

Privacy Commitments

Prevention of money laundering

We are firmly committed to anti-money laundering and countering the financing of terrorism (AML/CTF), as well as to complying with international financial sanctions and countermeasures programs by actively promoting the highest international standards in the field.

Financial crime is a universal and global phenomenon that takes advantage of the removal of commercial barriers and the globalization of the economy. Tackling this challenge requires a coordinated response from the international community and the financial sector, to prevent being inadvertently and unintentionally used for unlawful purposes.

Our framework for governing AML/CTF and sanctions risk is built upon the following pillars:

Compliance with the principles set out in our policy by all CaixaBank Group companies within its scope of application.
Corporate supervision by the parent company.
Alignment of strategies across Group companies, ensuring consistency with best practices, supervisory expectations, and current regulations.
Active involvement of our governing bodies and management.
A robust internal control framework based on the Three Lines of Defense model, ensuring a strict segregation of duties and multiple layers of independent control.

Specific highlights include:

Formal policies and procedures have been introduced to establish remote relationships including validation of submitted documents and verification of identity through independent contact with customers. These procedures have been established in line with Spanish and European Union regulations. In particular, the Spanish UIF (SEPBLAC) has approved a specific procedure for this type of relationship, on which the CaixaBank regulations are based.
Formal policies and procedures have been introduced to establish relationships with individuals with public responsibilities (PRP), which cover the identification, periodic review and monitoring of transactions, as well as authorisation by a higher management level: an internal committee comprising executives from the commercial, control and compliance areas grants authorisation for new customers and ratifies current customers.

Record keeping of all documents related to anti-money laundering and combating the financing of terrorism is for a period of 10 years.

In addition, our teams receive training and ongoing refreshers to prevent money laundering discretely and actively.

See our General Principles of the Policy for the Prevention of Money Laundering and the Financing of Terrorism

Socially responsible marketing committees

We have a socially responsible and rigorous approach to the marketing of our products, following the corporate policy of product governance. Through our Transparency Committee, we work to guarantee transparency in the design and marketing of our financial instruments, banking products and savings and investment insurance.

Our Transparency Committee, which reports to the Product Strategic Committee, oversees the quality and effectiveness of new products and services, and assesses their characteristics, associated risks and their adaptation to the standards of transparency and customer protection.

Within the product governance framework of CaixaBank, the Product Strategy Committee is informed on a semi-annual basis of all products and services discussed in the Transparency Committee. Additionally, semi-annually, through the Global Risk Committee, information about new products or services, or significant modifications to existing ones, is presented to the Risk Committee, which in turn reports to the Board of Directors. The selection of products will be carried out considering criteria of novelty, marketing conditions, differential impact on the risk profile, or economic significance.

We are also voluntarily associated to "Autocontrol", the Independent Advertising Self-Regulatory Organisation, which follows good advertising practices.

MiFID regulations

Access to Autocontrol

Engagement with stakeholders to promote sustainability

One of our priorities is to maintain a fluid and collaborative relationship with all our stakeholders to contribute to the development of a carbon-neutral economy and promote the United Nations Sustainable Development Goals (SDGs). To achieve these objectives and contribute to society, we carry out active engagement and ESG advice with these stakeholders.

Learn about our engagement with stakeholders

Responsible management

We want to be a benchmark in the sector in sustainability. For that, we support socially responsible business management and the integration of social and environmental criteria into our business activity, ensuring best practices in our internal control and corporate governance.

Quality, trust and social commitment are the essence of our company. For this reason, our employees and activities are loyal to our founding values.

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