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Risk management

The Board of Directors, the Senior Management and the Group as a whole are firmly committed to risk management.

CaixaBank has as a purpose to preserve a medium-low risk profile, a comfortable capital adequacy and ample liquidity metrics, in line with its business model and the risk appetite defined by the Board of Directors.

The risk management systems implemented are adequate in relation to the approved risk profile and risk appetite and are comprised of the following:

Core elements of the Group’s risk management framework 

Governance and organisation

Risk management strategic processes

internal control framework

Risk culture

Governance and organisation: this is achieved through internal policies, rules and procedures that ensure the adequate supervision by the governing bodies, steering committees, and CaixaBank's specialised human resources.
Risk management strategic processes to identify, measure, monitor and report risks: Risk Assessment, Risk Taxonomy, and Risk Appetite Framework (RAF).
The risk culture based, among other things, on training, communication and performance-based evaluation and remuneration of employees, is a factor that differentiates the Group’s decision-making and business management.
The internal control framework, based on the Three Lines of Defence model, provides a reasonable degree of assurance that the Group will achieve its objectives.

For more information on Risk Management and its Governance and Control system, consult the section Committees of Directors (Risks) and, in Economic-financial information (Other), the page on Pillar 3 report.