Gonzalo Gortázar, CEO of CaixaBank, explains that "these nine months have been very positive: we are attracting customers, increasing our activity and achieving a well-balanced business growth. Thanks to our strong position, we will continue to stand by families and businesses, while creating value for our customers, our shareholders, and society as a whole”.
The Board of Directors approves the distribution of an interim dividend of €1.28 billion (equivalent to €0.1844 gross per share), to be paid on 6 November.
The Group has more than 21 million customers in Spain and Portugal, having attracted nearly 480,000 net customers in the last 12 months, with a network of more than 4,500 branches.
Net interest income rises to €8.19 billion between January and September, a yearon-year increase of 2.9%, driven by growth in volumes. Moreover, revenues from services (wealth management, protection insurance and banking fees) up by 7.7% year-on-year to €4.18 billion.
Robust commercial activity. Business volumes climb 6.4% year-on-year, to €1.16 trillion, with lending and customer funds delivering a very positive performance.
Positive trend in lending to both households and businesses, with performing loan book growing by 8% year-on-year to €397.47 billion.
Customer funds reach €760.35 billion in September, up 5.6% year-on-year, driven by wealth management and strong deposits.
imagin, CaixaBank’s neobank, closes the period with 4.3 million customers (+9% year-on-year) and business volumes of €24.3 billion (+18% year-on-year).
Strengthened financial position, with the NPL ratio falling further, to 1.76%, comfortable liquidity levels and robust organic capital generation.
Commitment to society. CaixaBank is present in around 3,700 municipalities with a branch, ATM or mobile office, and has around 469,000 customers with basic payment accounts.
The CaixaBank Group posted a net profit of €4.96 billion between January and September 2026, up 12.9% on the same period a year earlier (€4.40 billion), driven by broad-based business growth.
CaixaBank already serves 21.1 million customers in Spain and Portugal, (with net growth of close to 480,000 over the last year) through a network of over 4,500 branches, and it holds more than €683 billion in assets. The bank has recorded stronger commercial momentum and client acquisition as part of the 2025-2027 Strategic Plan, thanks to its commitment to customer service and a unique omnichannel distribution platform and broad product offering.
CaixaBank’s CEO, Gonzalo Gortázar, explained that "these nine months have been very positive: we are attracting customers, increasing our activity and achieving a well-balanced business growth. Thanks to our strong position we will continue to stand by families and businesses, while creating value for our customers, our shareholders, and society as a whole”.
Gortázar added that "we have made further progress on our transformation process, aimed at offering a better service to our clients. We are incorporating artificial intelligence and new technological tools throughout the organisation, with improvements already visible in both consumer experience and commercial capabilities”.
Strong earnings growth
CaixaBank’s income statement showed sustained earnings growth between January and September, with profitability (trailing 12-month ROTE) standing at 18.8% at the end of the period.
Net interest income rose by 2.9% year-on-year to €8.19 billion in the first nine months of 2026, driven by growth in volumes.
Revenues from services (wealth management, protection insurance and banking fees) increased by 7.7% year-on-year to €4.18 billion. By component, revenues from wealth management rose by 12.5% (to €1.67 billion) due to higher volumes of assets under management, while revenues from protection insurance increased by 14.5% to €1 billion. Meanwhile, banking fees fell by 0.9% to €1.51 billion due to the 2.1% fall in recurring banking fees, partly owing to the effect of client loyalty programmes.
Income from the equity investment portfolio stood at €349 million, a year-on-year growth of 7.8%. The share of profit from entities accounted for using the equity method totalled €294 million (+10.9%) while dividend income was €55 million (-5.9%).
Gross income (total revenues) increased by 4.4% to €12.66 billion at the end of the third quarter; while pre-impairment income was up by 4.6% to €7.65 billion. Meanwhile, administrative expenses and depreciation rose by 4.3% year-on-year, standing at €5 billion between January and September, while the 12-month cost-to-income ratio was 39.4%
In 2026, the income statement is also affected by the recognition of the Tax on Net Interest and Fee Income (IMIC, in Spanish), which amounted to €452 million in the first nine months of the year, compared with €446 million in the same period of 2025.
