[Business Model]

CaixaBank's universal banking model is predicated on the provision of excellent personal customer service underpinned by a value proposition tailored for its over 13.4 million customers. Behind this model stands a team of over 31,000 highly-qualified professionals, a complete catalogue of products and services, and a vast commercial network.

Customers can access the bank anywhere, any time, thanks to the large multi-channel distribution model comprising the country's largest branch office and ATM network and cutting-edge online banking, mobile banking and e-banking platforms.

CaixaBank's customers can also receive banking services while abroad, through the international network of operational branches and representative offices. As part of its focus on a growing international presence, CaixaBank has forged strategic alliances with banking investees in solid markets. It also holds stakes in service sector companies, thereby further diversifying its earnings.