Caixa Ingenieros earned €26.5 million in 2025, an 11% increase, achieving record results for the third consecutive year. However, the global context of uncertainty has also affected the bank's accounts: "Interest rates have been falling, and that has affected us. We are a bank, and therefore we are not immune to what is happening in the market. Our scenario for 2026 is for interest rates to remain at the closing rate, which we have offset with expenses," stated the bank's CEO, Juanjo Llopis, during the results presentation this Tuesday. These results were the first of a full year with Llopis as CEO, who took over from Joan Cavallé at the beginning of the year. "We have achieved a new record result for the bank, which makes us very proud and allows us to face the future with strength and confidence," Llopis explained. Business volume rose to €9.269 billion, an 8% year-on-year increase; net interest income fell 2.8% to €74.1 million in a context of declining interest rates; and gross income declined 0.66% to €122.4 million, according to the results published Tuesday by the cooperative group. The year ended with 220,080 members, a 1.7% increase, representing an additional 4,000 members in absolute terms. "We are a community-focused bank, and that's what drives our membership growth. We've gone from having 31 company-owned branches to just two shared ones," the group explained. Of the 33 branches, 10 are in Barcelona, ​​12 in the rest of Catalonia, and 11 in the rest of Spain. Credit investment increased by 5.1% to €2.079 billion, with the majority going to personal loans (€1.482 billion, up 2.5%). Business lending rose by 12.4% to €597 million. New loan originations increased by 10% to €626 million. Llopis explained that they encountered a "particularly competitive" market in this sector, in a year in which banks increased mortgage lending. Forecasts for 2026

"Looking ahead to 2026, uncertainties persist, and we are in a period of high volatility, mainly due to geopolitical tensions, wars, tariffs, the focus on taxation, and sovereign debt markets; but everything will depend on how long the conflict with Iran lasts," he noted. In fact, the CEO has anticipated a possible interest rate hike should the conflict in the Middle East drag on. This will be the year that culminates the group's current strategic plan, the so-called 'Transform 2026 Plan'. The credit union expects to close the year with around 230,000 members and a business volume of approximately €10 billion. The institution also forecasts that profitability (ROE) will fall to 9.35% and the non-performing loan ratio to 2.4%.

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Caixa Ingenieros will close this year with another 4,000 members, reaching a total of 220,000. 2025 will be another record-breaking year, according to the bank's CEO, Juanjo Llopis, speaking at a press conference to review his first year in the position, having succeeded Joan Cavallé. In fact, the bank expects to surpass last year's result of €24 million. The goal of the Transforma 2026 strategic plan is to end this period with 230,000 members. Llopis also spoke highly of the mobile banking service, which the bank won in a tender issued by the Generalitat (the Catalan government) for towns without bank branches. He explained that this service has allowed them to add 400 members, representing 10% of all those acquired during 2025, to the routes they operate in the Girona, Tarragona, and Anoia areas. These routes, for which CaixaBank also won the tender, have received 1,700 visits and 1,900 ATM transactions. They also plan to maintain their proximity banking strategy by opening between one and three new branches next year. This year, they have added three in Catalonia: Vilanova i la Geltrú, Vic, and Manresa, and one in Alicante. The intention is to continue opening branches in regional capitals and some municipalities where they currently offer mobile banking services. They also plan to open branches in other provincial capitals outside of Catalonia where they do not yet have a presence. Currently, they have branches in Bilbao, Zaragoza, Seville (2), Málaga, Palma, Valencia (2), and Madrid (3).

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While large banks had to be bailed out with more than €66 billion, cooperative banking in Spain not only held its own during the economic crisis, but fared better without receiving anything. In other words, these entities did not close branches or lay off workers en masse, and they also gained much more business compared to the rest of the sector.

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The Caixa Enginyers group's shareholders' meeting on Tuesday endorsed the record results achieved last year. The credit, financial services, and insurance cooperative achieved a turnover of €8.581 billion and a net profit of €24 million, a 22.3% increase over the previous year. The meeting approved a 5% share capital contribution and a proposed increase in the Education and Promotion Fund to €1.7 million, a 28% increase over 2023. Today, the entity opened its own office in Vilanova i la Geltrú, bringing its 3rd office to the Garraf capital at the headquarters of the Mútua General de Catalunya.

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The Catalan financial system is experiencing a new phase that could lead to the loss of the only major bank with its headquarters, Sabadell, which was reclaimed last January after more than seven years in Alicante due to the Process and the referendum. Now, the takeover bid (OPA) for BBVA and the planned subsequent merger are in the hands of the Spanish government. After analyzing the the responses to the unprecedented public consultation called by the executive, The Ministry of Economy has until next Tuesday, the 27th, to submit the file to the Council of Ministers. The Council must then decide whether to object to the merger based on "general interest" criteria, since the free competition criteria were resolved by the National Commission on Markets and Competition (CNMC) in a unanimous ruling on April 30th.

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Juanjo Llopis (Valencia, 1973) has completed his first hundred days as CEO of Caixa Ingenieros. A defender of the cooperative banking model he leads, he argues that the bank has the capacity to grow without having to make purchases, member by member, with a network of physical branches combined with a strong digital commitment.

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Caixa Ingenieros' net profit soared last year to €24 million, a 22.3% increase compared to 2023 and an unprecedented level for the bank. The results, which add to the record already recorded in the previous year, are the first under Juanjo Llopis as CEO, who replaced Joan Cavallé on January 1st, who had held the position for nineteen years. The bank recorded a turnover of €8.581 billion, up 5.4%, and an interest income of €76.2 million, up 14.9%.

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Movement at the top of two of the Catalan financial institutions. CaixaBank is renewing its board of directors, after the change of president on January 1, and putting an end to the presence of the former Bankia in the highest governing body of the bank, which is now chaired by Tomàs Muniesa in place of José Ignacio Goirigolzarri. CaixaBank has announced that five members of the board will be leaving: the former president José Ignacio Goirigolzarri and the independents Joaquín Ayuso, Francisco Javier Campo and Eva Castillo. José Serna, a director representing La Caixa, is also leaving. Rosa María García, Luis Álvarez, Bernardo Sánchez, Pablo Forero and José María Méndez will join. But this week, changes have also been announced at Caixa Ingenieros.

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Since Juan José López Burniol, historic vice president of the La Caixa Foundation, announced his resignation At the beginning of December 2024, after the promotion of Josep Maria Coronas to the position of general director of the Foundation, the question of who would occupy his position was hovering over the La Caixa galaxy. Finally, It will be Javier Godó, Count of Godó and president-editor of The Vanguard, who will occupy the vice presidency of the Foundation, in a surprise appointment, approved unanimously by the leadership of the Foundation. Likewise, Caixa Engineers has a new president for its insurance company, the Círculo Ecuestre has a new member on the board and Garamendi's CEOE incorporates the former head of the Royal Household. These are some of the most notable signings of the week.

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