MicroBank exceeds 2.4 billion euros and grows 18% in socially impactful financing

• Microloans for families recorded the highest growth, accounting for seven out of every ten euros financed by MicroBank and reaching a total of 1.672 billion euros
• More than 30,500 entrepreneurial initiatives received financial support, with 662.4 million euros allocated to business creation and consolidation, 19% more than the previous year
• Skills & Education loans for students surged 73% in 2025, with 26.4 million euros in financing
• In 2025, the bank launched a new financing line to support the ecological transition of the agricultural sector, which has already reached nearly 1.8 million euros

MicroBank, CaixaBank’s social bank, closed 2025 with a positive outcome in its operations, reflected in a notable increase in both the number of transactions and the volume of socially impactful financing. Specifically, the bank ended the year with 277,819 transactions worth approximately 2.444 billion euros, representing increases of 19% in transactions and 18% in financing compared to 2024. These results consolidate MicroBank’s upward trend, which over the past two years has increased its financing volume by 77%, over 1 billion euros more.

Regarding the distribution of financing by autonomous communities, Catalonia, Madrid, and Andalusia stand out as the regions with the highest credit volumes: nearly 572, 449 and 393 million euros, respectively. These regions account for a significant share of total activity, reflecting strong demand for microloans for both personal needs and education or business projects. Alongside them, communities such as the Valencian Community, Canary Islands, Balearic Islands, and Murcia also show particularly dynamic performance in transaction numbers.

Growing support for families and students

Microloans for families, with 243,970 transactions in Spain and a 21% increase compared to the previous year, accounted for the bulk of MicroBank’s financing in 2025, totalling 1.672 billion euros. The average amount of these microloans—aimed at providing access to financing for individuals and households struggling to obtain traditional credit—was 6,852 euros.

Skills & Education loans for students, meanwhile, showed the highest growth, with a significant 73% increase in financing volume in 2025, corresponding to 2,707 transactions worth a total of 26.4 million euros.

Contribution to job creation and support for social enterprises 

In addition to microloans granted to individuals, the area that experienced the highest growth in 2025 was financing for the launch and consolidation of small businesses, with particular focus on female entrepreneurship. MicroBank granted 30,506 microloans in Spain for this purpose, with a total financing value of 662.4 million euros last year, representing a 19% increase in financing compared to 2024. The average amount of these microloans in 2025 was 21,713 euros. 

This effort is reinforced by MicroBank Academy, the free platform that promotes entrepreneurship. It offers nearly 100 online courses—ranging from digital skills and AI to business management—organised according to the key phases: starting, growing, and consolidating a business. With content from MicroBank and partners such as Google and Accenture, in 2025 the platform surpassed 50,000 visits, reaffirming MicroBank’s commitment to entrepreneurship not only through financing but also by providing training and tools to support projects.

Also notable in 2025 is the bank’s commitment to supporting the ecological transition of the agricultural sector, with the launch of the sustainable agro-investment microloan, which has reached nearly 1.8 million euros in financing.

Regarding support for social enterprises, MicroBank contributed 55.2 million euros to strengthen 310 social projects. 

“Beyond the numbers, this balance reflects the impact we have on families, entrepreneurs, and essential sectors such as education, social enterprises, and rural areas, driving projects that contribute to social and economic development”, says Cristina González, General Director of MicroBank.

Social banking

MicroBank offers solutions to different segments of the population whose financial needs are not sufficiently met. It has a crucial role in the Sustainable Banking Plan, which is part of CaixaBank's new Strategic Plan, which entrusts it with promoting financial inclusion by providing vulnerable groups access to loans, as well as with enhancing its commitment to the country's socio-economic development. 

As the sole shareholder of MicroBank, CaixaBank has supported its social bank since its creation by giving it the funding required to grow its lending activity while marketing MicroBank products through CaixaBank’s extensive commercial network, with the aim of offering customers its entire range of products with the highest possible quality of service and the best possible relationship. 

More than 280 entities across Spain are actively involved in granting microloans, providing insight into the loan recipients, as well as advising on and monitoring the projects.

MicroBank also relies on the support of Europe’s leading institutions when it comes to promoting enterprise and microfinance, namely the European Investment Fund (EIF), the Council of Europe Development Bank (CEB) and the European Investment Bank (EIB).