Our model

Mobilise 100 billion euros in sustainable finance

• The total amount mobilised during the 2025-2027 period includes the sum of sustainable financing for individuals, businesses, and Corporate & Investment Banking (including MicroBank) and sustainable brokerage in channelling third-party resources toward sustainable investments (proportional participation in the placement of green, social, and/or sustainable bonds for customers and the growth in the assets under management in sustainable products under the Sustainable Finance Disclosure Regulation (SFDR)).
• Data source: CaixaBank Group, including BPI.
• As a breakdown, 87% of the amount corresponds to financing, and the remaining 13% to brokerage.
• Details on the mobilisation of sustainable financing 2023 
• Guide to Identifying Sustainable Financing 

Achieve 15% of financial income generated from sustainable financing

• Proportion of the bank’s financial income generated by the sustainable credit portfolio (including MicroBank) compared to the total financial income of the bank.
• Data source: CaixaBank (excludes BPI).

Engage with 90% of high-carbon emission companies to support and finance their sustainable transition

• Percentage of customers with which CaixaBank has conducted engagement processes, defined as dialogue initiatives to support and finance their sustainable transition.
• This includes customers with credit exposure under the Net Zero Banking Alliance (NZBA) perimeter as of 31/12/24, excluding customers tied exclusively to Project Finance operations; customers in the retail real estate sector; and customers who are in a consolidated group affected by NZBA, in which case the engagement will take place with the parent company.
• This involves a minimum of one annual meeting to discuss their decarbonisation plans, emissions metrics, sustainability actions for the upcoming years, alignment with CaixaBank’s commitments, and identification of sustainable investment opportunities in their sector. 

Meet annual net-zero goals aligned with 2030 decarbonisation pathways

• According to the NZBA operational framework: i) set annual sector-specific targets aligned with public NZBA 2030 pathways (quantitative— not necessarily linear— or qualitative, depending on the specific circumstances of each sector (technologies, regulations, data, methodologies, market conditions, etc.)); ii) monitor metrics and report to management and governance bodies, implementing remediation plans in case of deviations.
• More information on our 2030 decarbonisation pathways can be found in Environmental and Climate Strategy

Number of people with an inclusive solution promoted by the CaixaBank Group 

• Sum of account holders/co-holders of inclusive solutions promoted by the CaixaBank Group, aimed at vulnerable groups (groups whose characteristics make them potentially vulnerable: low socioeconomic status, rural residents; seniors; the disabled; migrants, refugees or seasonal workers; individuals deprived of their liberty; minors or victims of gender-based violence) who would otherwise be underserved or inadequately addressed by the market.
• This includes specific inclusive offerings such as microcredits for families, social accounts, offerings for people with disabilities, users of mobile offices, clients of offices in municipalities where only CaixaBank is present, social housing, among others.
• Examples of products and services related to financial inclusion

Support 150,000 students, self-employed individuals, and entrepreneurs to improve their employability and access to employment

• Sum of: students benefiting from Dualiza (since education is key to fostering employment); direct jobs created with the support of MicroBank Business financing (an estimate based on the ratio of direct job creation obtained in an annual social impact study conducted with an external consultant, applied to new production); and individuals benefiting from programmes such as Tierra de Oportunidades (rural entrepreneurship), etc.
• Cumulative data for 2025-2027.

Gain recognition as the best listed bank in Spain for senior customers 

• Attain the top position in the NPS indicator from the BMKS benchmark study by Stiga among publicly traded banks in Spain with a market capitalisation of over €10 billion: indicator calculated by an independent expert (Stiga) based on quarterly survey results conducted through telephone interviews with customers aged over 60, and which compares CaixaBank with 15 financial institutions (traditional banks and other banks and savings banks, including Santander, BBVA, Sabadell, and others).
• The calculation will use a moving average, considering cumulative data from the past 12 months. 

Achieve 33% of customers aged between 50 and 67 years with long-term savings and pension products 

• Number of CaixaBank customers (as defined internally) aged 50 or older but under 67 holding non-investable resources (financial assets not available for direct investment: investment funds and fund portfolios, managed portfolios/SICAVs, savings insurance, pension plans, and CaixaBank-issued and non-issued securities).

Exceed the average in the main sustainability ratings compared to leading European institutions

• Recognition by the leading ESG rating agencies (MSCI, S&P, Sustainalytics, Fitch, and ISS) relative to key European peers: receive a score above the simple average of the peers included in the Eurostoxx Banks from at least 3 out of 5 ratings agencies selected, and maintain the rating at the close of 2024 if this is not achieved.

As a founding member of the Net Zero Banking Alliance (NZBA), promoted by the United Nations, we are committed to being carbon neutral by 2050. To achieve this, we have set intermediate emission reduction targets for 2030 in our financing and investment portfolios, specifically in the sectors with the highest intensity of greenhouse gas emissions.

More information

You can find information on the previous Sustainability Plan (2022-2024) and its goals in the Management Reports / Publications and in this summary.