CaixaBank, S.A. is a Spanish banking group serving individuals, businesses, institutions and public-sector clients. The bank provides deposits, mortgages, consumer loans, corporate lending, insurance, payments, asset management and wealth management services across Spain, with additional exposure to Portugal through BPI. CaixaBank has a large retail franchise and is an important player in bancassurance and domestic savings products. Its earnings are sensitive to Spanish economic growth, interest rates, credit quality, deposit competition and European banking regulation.