SUPPORT FOR THE COMMUNITY

Social commitment stands alongside quality and trust as one of CaixaBank's corporate values and hallmarks.

As part of its commitment, the entity helps publicise and implement the welfare projects championed by ”la Caixa” Banking Foundation which is CriteriaCaixa's sole shareholder and which continues the work carried out over the past 111 years to help people and society advance. It also promotes long-term savings and investment, encourages financial inclusion and works to provide solutions for people and families in financial difficulties.

MICRO-FINANCE AND FINANCIAL INCLUSION

MicroBank, CaixaBank's social bank, is Europe's leading micro-finance institution

It has been in operation since 2007, through CaixaBank's branch network, to boost production, job creation, self-employment, personal and family development, and financial inclusion.

MicroBank grants 5% more microcredits than all of France's entities, which are ranked second in the table below*:

121,625 microcredits granted in 2015

€588 M volume granted

€4,800 average volume of the transactions

46% of the recipients are women

*Source: “Overview of the Microcredit Sector in the European Union”. European Microfinance Network (EMN). September 2014 and compilation.
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PROMOTING RETIREMENT PLANNING AND LONG-TERM SAVINGS

CaixaBank helps raise public awareness and provides solutions to address this social need.

The founding of Caja de Pensiones para la Vejez y de Ahorros de Cataluña y Baleares “la Caixa” in 1904 started the tradition of managing family savings and offering its customers pension insurance well before this type of social benefit was established.*
In 1905, ”la Caixa” issued the first pension book for 10,000 pesetas.
In 2015, CaixaBank, through VidaCaixa, is the most popular entity for people wishing to save for their retirement.

VidaCaixa is CaixaBank's insurance and pension plan management company.

Pays nearly one third of all private pensions in Spain, with €3,728 M in retirement payments.

It pays the highest number of pensions in Spain, second only to the Social Security authorities.

VidaCaixa manages its investments in accordance with the United Nations Principles for Responsible Investment (UNPRI).

21.5% market share of pension plans.

230,000 SMEs and self-employed workers are covered by employment pension plans managed by VidaCaixa.

€8,622.5 M in employment pension plans managed.

28 Ibex 35 companies have entrusted their corporate pension plans to VidaCaixa.

1.1 million people have life-savings insurance with VidaCaixa.

Through this programme, VidaCaixa promotes a culture which favours systematic savings.

CaixaFu[tu]ro Events:

conferences aimed mainly at retired customers or those approaching retirement, to help them plan for their retirement.

In 2015:
180 sessions
Around 18,000 attendees
More than 110 towns
Since 2014:
More than 700 information sessions
45,000 attendees
Prepares studies in collaboration with prestigious universities:
In 2015, with the University of Barcelona, it published a paper on retirement and SMEs and self-employment workers.
* ”la Caixa” transferred its financial business to CaixaBank in June 2011. In June 2014,“la Caixa” became Fundación Bancaria Caixa d’Estalvis i Pensions de Barcelona, “la Caixa”, in keeping with the Savings Banks and Banking Foundations Law of 27 December 2013.
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Caixafu[tu]ro (in Spanish) 2015 Integrated Corporated Report of VidaCaixa

SOCIAL PROJECTS

“la Caixa” Banking Foundation is the largest charitable foundation Spain and the third-largest worldwide by assets.
Annual budget of €500 M for the Welfare Projects
for the eighth consecutive year.
9.9 million beneficiaries
46,209 initiatives undertaken
€43.3 M allocated to the CaixaBank branch network
to be directly and autonomously managed, as part of the collaboration between the bank and ”la Caixa” Banking Foundation.
Over 13,000 education, scientific and cultural activities funded and developed.
790,000 beneficiaries.
Over 2.5 million children in Africa and Latin America vaccinated thanks to the collaboration with GAVI the Vaccine Alliance.
Over €1,62 M was raised in 2015

€1 M contributed by “la Caixa” Foundation

Over €466,000 contributed by 210 companies and nearly €35,000 by 119 Private Banking customers.

Over €78,400 contributed by 29,880 individual customers.

Over €46,800 contributed by 753 Group employees.

Since 2008, over €20.8 M has been contributed
“la Caixa” Foundation
Sole private partner of Gavi the Vaccine Alliance in Europe
€18 M
Business Alliance for Child Vaccination
For corporate customers, who can channel their contributions as part of their CSR programmes
€2.4 M
523 companies
119 Private Banking customers
780 contributions
Micro-donation programme
For individual customers, through one-off or regular donations
Over €120,000
41,516 customers
Charity Corner
For employees, through one-off or regular donations
Over €340,000
753 employees
Over €470.000 raised for charity projects through the puntos estrella loyalty programme.
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HOUSING ACCESS

1.44 M mortgages outstanding
Market share of 17.5%*
33,084 social dwellings
"la Caixa" Banking Foundation has the largest number of social housing in Spain (with rents lower than the market average).
Since 2005, CaixaBank has collaborated in informing customers about ”la Caixa” Foundation's Accessible Housing programme which offers over 15,760 dwellings with subsidised rent:
Accessible Housing, since 2005.
  • 3,936 dwellings with reduced rent delivered for young people, families and senior citizens.
Centralised Social Rent, since 2011.
  • 5,741 dwellings with contracts signed, for people whose income has been affected by the financial crisis.
Decentralised Social Rent, since 2012.
  • 6,083 dwellings with contracts signed, for people whose homes have been foreclosed or a dation in payment arrangement made.
2,489 dwellings offered to the Spanish Social Housing Fund (FSV):
  • This is more than double the entity's initial pledge of 1,085 dwellings.
  • The largest contribution from a Spanish financial institution.
Solutions for people and families facing financial difficulties
CaixaBank is the first entity in Spain to set up a specialist team to offer customised solutions to customers having difficulty honouring the mortgage payments on their primary home.
Since 2013, CaixaBank has had a Mortgage Customer Advisory Service (SACH), a toll-free service line for customers whose homes are subject to a foreclosure notice.
More than 465,000 assistance measures for families with mortgage loans and undergoing financial difficulties since 2009**
22,638 dations since 2009:
  • 2,235 dations in 2015, 60% vs. 2014.
  • 72% of these carry an associated rental contract.
CaixaBank has adhered to the government-approved Code of Good Practices for the viable restructuring of mortgage loans on primary residences.
  • Branch employees have received training on how to apply the Code.
Since 2012 it is a signatory of the mediation agreement with the regional government of Catalonia for the prevention of evictions.
*Figures from November 2015.

** Number of interventions in effect and terminated recalculated in 2015. Since a given contract may have been subject to more than one kind of intervention, there may be an overlap.
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CORPORATE VOLUNTEERING

”la Caixa” launched its volunteering programme in 2005.
7,677 volunteers
(including retired employees, relatives and friends)
56% are current CaixaBank employees
40 volunteer associations
221,795 beneficiaries
in 2015.
1,532 volunteering actions
in 2015
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