CaixaBank has unveiled its new 2025–2027 Strategic Plan in a bid to ensure sustainable levels of profitability above 15% (ROTE) to boost the growth of loans to companies and households, which is expected to grow by 4% CAGR over the next three years. Maintaining this profitability will enable CaixaBank to continue remunerating its 558,000 shareholders adequately, including the FROB and ‘la Caixa’ Foundation, which will then be able to continue its essential Social Work.

To succeed in this task, the Group is pursuing three strategic priorities: accelerating business growth, drive business transformation and investment, and consolidate the company’s position as a benchmark in sustainability.

The Group will be venturing into a new phase after successfully wrapping up its 2022–2024 Strategic Plan. The new plan will take shape amid the ongoing economic recovery, despite uncertainty over the various ongoing geopolitical conflicts and with higher than expected interest rates, coupled with rising levels of inflation.

CaixaBank successfully completed the various stages of integration with Bankia at the start of the plan and has met the financial and qualitative targets set for the 2022–2024 period. The profitability, cost-to-income, NPL and certain other targets have been met, as well as growth in market share in the main businesses and the promotion of social and financial inclusion. Meanwhile, international business has grown more than projected during the period and the mobilisation of sustainable finance has comfortably exceeded the €64 billion target.

The bank’s shareholder return has also far exceeded the initial target of €9 billion (around €9.5 billion have already been assigned), with a further commitment to reach €12 billion under the framework of the 2022–2024 Strategic Plan.

The Group is looking ahead to the next three years with optimism and finds itself in its best position of the past 10 years with commercial strength, a strong balance sheet, enhanced digitalisation and innovation capabilities, and reasonable profitability.

In the words of the bank’s CEO, Gonzalo Gortázar, “in the next three years, we want to take advantage of a more favourable economic environment to take a leap forward in our service quality, in our technological capabilities and in the development of our workforce's talent. All of this will result in greater growth of the economy and adequate remuneration for our shareholders.”