CaixaBank gana 4.962 millones hasta septiembre, un 12,9% más

CaixaBank reported a 12.9% increase in profits, totaling 4.962 million euros up to September, compared to the same period last year. The bank plans to distribute a dividend of 1.281 million euros on November 6, with an additional 0.1844 euros per share, a 10% increase from the previous year. CaixaBank's profitability increased to 18.8%, surpassing the 17.8% from a year prior.

The bank raised its expected profitability for the year to approximately 19%. The highest quality capital (CET1) stood at 12.5% as of September, slightly lower than the 12.6% in December 2025. CaixaBank launched an action buyback program worth 500 million euros in April, which impacted the ratio by 20 points. The bank also announced its first dividend for the current year, amounting to 1.281 million euros, to be paid on November 6, marking 40% of the first-half profit.

The bank will pay a second dividend in April next year, as part of its policy of distributing between 50% and 60% of the generated results in 2026. The interest margin stood at 8.186 million euros in the first nine months, a 2.9% increase compared to the same period in 2025, driven by growth in volumes. Service income increased by 7.7% year-over-year to 4.182 million euros, with pension management, life insurance, and bank commissions all showing growth.

The gross margin expanded by 4.4% to 12.656 million euros, while expenses increased by 4.3%, resulting in an efficiency of 39.4% compared to 39.2% last year. Loans grew by 8% year-over-year to 397.469 million euros. The portfolio of companies grew by 19.404 million euros since September 2025 (11.4%), while the acquisition of real estate grew by 9.551 million euros (7%), and consumer finance by 2.195 million euros (9.8%).

Client resources reached 760.353 million euros as of September, a 5.6% increase from the previous year, fueled by pension management and the strength of deposits. Assets under management rose by 10.6% year-over-year to 216.333 million euros, and investment funds, portfolios, and SICAVs totaled 161.395 million euros (11.5%). The pension plans totaled 54.938 million euros (8.1%).

Overall, CaixaBank's resources rose by 3.8% to 538.464 million euros, with a 2.7% increase in deposits (438.932 million) and an 11.3% rise in liabilities (93.188 million) related to insurance contracts. By September, CaixaBank had 4.3 million clients (9% more than the previous year) and generated 24.300 million euros in business (18% increase year-over-year).