The financial system reform has redrawn the map of the banking sector in which CaixaBank holds a strong leading position. During 2013, the bank made significant write-downs, improving its already high solvency and liquidity, despite the challenging macroeconomic, competitive and regulatory environment.

As envisaged when it was initially approved, the Group updated the Strategic Plan at the beginning of 2013, setting out nine strategies and transversal projects, managed by teams from various areas, which will help to achieve the challenges set.

The same sustainable growth principles that define CaixaBank continue to feature in the updated Strategic Plan, in response to the new environment:

• Placing great priority on safeguarding its reputation and service quality, drawing from sound values and business principles.

• Focusing on risk-adjusted return. 

• Continuing to diversify through business banking, internationalization and innovation.