COMPANY PROFILE -CaixaBank S.A.
Business Sector :Banking and Financial Services
Operating Geography :Spain, Europe, Global
About CaixaBank S.A. :
Spanish international financial services provider CaixaBank, S.A., formerly known as Criteria CaixaCorp is headquartered in Valencia with operational offices in Madrid and Barcelona, Spain. Founded in 2007 as Criteria CaixaCorp, the corporation serves as a publicly-traded vehicle for La Caixa's ownership shares in and investments in companies that offer industrial and financial services. The company offers ownership in foreign banks as well as banking services like insurance, pension plans, and investment funds. It operates through the following divisions: BPI, Equity Investments, and Banking & Insurance. The core business of the Banking & Insurance segment consists of all banking activities, including retail banking, corporate banking, cash and markets, and insurance activities. These activities are primarily conducted in Spain through the branch network and other supplementary channels. Additionally, it provides general insurance products, pension plans, and life insurance. The Equity Investment segment of the firm engages in the equity investment business. The BPI segment comprises all businesses under the BPI group. CaixaBank was recognised as the "Best Private Bank in Europe for Big Data Analytics and Artificial Intelligence" as well as "Digital Marketing and Communication" by PWM (FT Group) in June 2022.
CaixaBank's USP is that it is the third-largest lender in Spain in terms of market value, with 5,397 locations to serve its 15.8 million clients and the most extensive branch network in the country. The mission statement of the company reads, "We contribute to the progress of society: Effectively and prudently channelling savings and financing, and guaranteeing an efficient and secure payment system".
CaixaBank S.A. Revenue :
€ 14,499 million - FY ending 31st December 2021
€ 12,172 million - FY ending 31st December 2020
Competitive Analysis of CaixaBank S.A.
The SWOT analysis for CaixaBank S.A is presented below in a matrix followed by the detailed analysis report:
| Strengths | Weaknesses |
1. Strong market position with solid financial performance
2. High liquidity coverage ratio and net stable funding ratio indicating ample liquidity
3. Improvement in year-on-year cost efficiency
4. Reduced risk due to decline in NPLs
| 1. Decrease in interest rate eroding company’s profitability
2. Loss of brand equity due to mass lay off of nearly 18% of the staff
3. Reduction in trading income and earnings from holdings
|
| Opportunities | Threats |
1. Increase market share through strategic acquisitions
2. Digital transformation of banking sector
3. Opportunity to increase penetration in emerging markets
| 1. Intense competition in Spanish banking sector
2. Growing emergence of Neo banks in Europe
3. Threat due to outbreak caused by the emergence of new covid variants
|
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Detailed SWOT Analysis of CaixaBank S.A.
Strength
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Weakness
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Opportunity
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Threat
1. Intense competition in Spanish banking sector: The biggest players in the Spanish banking industry are Banco Santander, BBVA, and Banco de Sabadell. CaixaBank is facing intense competition from these banks within the banking sector. Other competitors of the bank include specialized investment banks, advisory firms, credit unions, mortgage banking companies, investment companies and more. Since the product differentiation mostly exists in the form of interest rates for lending and deposits, this has led to further intensifying the competition. Now banks are forced to offer low interest rates to stay in the competition which is directly reducing its profits. Also, the pandemic has further pushed the interest rates to dangerously low levels. CaixaBank needs to come up with measure to address this issue, as low interest rate strategy is not sustainable for long term period.
The remaining section under "Threat" is available only in the 'Complete Report' on purchase.
The PESTLE analysis for CaixaBank is presented below in a table followed by the detailed analysis report:
| Political | Economical |
1. Catalonia Independence movement will hurt company operations
2. Growing tension between Russia and NATO over border Ukraine war
| 1. Rising inflation in Europe will erode CaixaBank’s profitability
2. Spain’s high public debt will have indirect impact on the Bank
|
| Social | Technological |
1. Shifting preference to digital banking over traditional banking
2. Optimistic consumer sentiment will complement company’s growth
| 1. Omni-channelizing banking to improve customer service |
| Legal | Environmental |
1. Growing trends of fraud in digital banking
2. Changes in legislation can potentially affect CaixaBank’s profitability
| 1. Banks reducing fossil fuel financing
2. Introduction of green financing to tackle climate change
|
CaixaBank S.A. SWOT and PESTLE Analysis PDF Report is a custom report and will be delivered to your email inbox within 2 business days from purchase.
Detailed Pestle Analysis of CaixaBank S.A.
Political
1. Catalonia Independence movement will hurt company operations: Calls for Catalan independence started long back in the late 19th century, however the Catalan independence movement flared in late 2017 when police used violence against the people to crackdown people’s participation in banned independence referendum. Jailing of Catalan leaders further fueled the tensions between the region and Spain. Hundreds of thousands of people joined the protest calling for independence, which resulted in disruption of services in the region. CaixaBank has more than 5,397 branches in Spain, with many branches in the region. Catalonia Independence is a bad new for the company’s operations in Catalonia, as in 2017 the company moved its headquarters out of Barcelona due to the political tensions between Spain and Catalan people. If the movement gains momentum again, the bank will be faced with tough choices to make for its future in the region.
The remaining section under "Political" is available only in the 'Complete Report' on purchase.
Economic
This section is available only in the 'Complete Report' on purchase.
Social
This section is available only in the 'Complete Report' on purchase.
Technological
This section is available only in the 'Complete Report' on purchase.
Legal
This section is available only in the 'Complete Report' on purchase.
Environmental
This section is available only in the 'Complete Report' on purchase.
Major Competitors :
- Banco Santander
- Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)
- Banco de Sabadell
- Banco Popular Español
- Bankinter
CaixaBank S.A. SWOT and PESTLE Analysis PDF Report is a custom report and will be delivered to your email inbox within 2 business days from purchase.
TABLE OF CONTENTS
DELIVERY AND FORMAT
WHY CHOOSE US?
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| CaixaBank S.A. Covid-19 Impact Analysis |
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| CaixaBank S.A. BCG Analysis |
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| CaixaBank S.A. Segmentation, Targeting and Positioning (STP) Analysis |
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| CaixaBank S.A. Ansoff Matrix Analysis |
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Check Out Analysis of Other Relevant Companies
References used in CaixaBank S.A. SWOT & PESTLE Analysis Report
1. Annual Report - https://www.caixabank.com/deployedfiles/caixabank_com/Estaticos/PDFs/Accionistasinversores/Informacion_economico_financiera/IGC_Eng_v31.pdf
2. CaixaBank obtains profit of €1.38 billion after making provisions of €1.25 billion for COVID-19 - https://www.caixabank.com/StaticFiles/pdfs/210129_OIR_NP_4T20_en.pdf
3. ‘Military tension will rise’: Russia chides NATO Nordic expansion - https://www.aljazeera.com/news/2022/5/16/russia-wont-put-up-with-natos-nordic-expansion-minister
4. Eurozone Inflation Rises to Fresh Record, Against Expectations - https://www.wsj.com/articles/eurozone-inflation-rises-to-fresh-record-against-expectations-11643799121
The detailed complete set of references are available on request in the 'Complete report' on purchase.
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CaixaBank S.A. SWOT and PESTLE analysis has been conducted by Pratik Vora and reviewed by senior analysts from Barakaat Consulting.
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