Financial Products and Services

International Branches
Financial Products
and Services
Index
Eficacia, servicio y compromiso con el cliente
Introduction
Financing
Services for Business
Trade Finance
Investment Banking
Online Banking
Financial Products and Services
Introduction
Financial Solutions for
Businesses
CaixaBank is an integrated financial group – with a banking business, insurance
activity and investments in international banks – Spain’s leader in retail banking. It has
a firm commitment to growth, both domestically and internationally, thanks to its
proven experience in banking sector investments and its distinctive discretion.
At CaixaBank we believe that business deserve specialized attention. We have a
team of Business Management experts, numerous innovative tailormade solutions
and, most importantly, operations services that are available 24 hours a day.
CaixaBank has a team that provides solutions for of each business, regardless of its
size. Each Relationship Manager is qualified to provide you with the best solution at
any time. You can also rely on the constant support of our product specialists and our
organization as a whole.
Additionally, we offer you a range of products and services with high added value.
In business, we’re always at your side.
Financial Products and Services
Introduction
International Banking
Financial Products and Services
Financing
Eficacia, servicio y compromiso con el cliente
Working Capital Financing
Investment Financing
Financial Products and Services
Financing
Working Capital Financing
Credit Accounts
Offering flexible financing which allows you to meet the constantly changing working
capital needs that managing a business entails.
Commercial Discount
Have at your disposal in advance the money from already completed commercial
sales to third parties. Promissory notes, receipts and certifications are all eligible.
Financial Products and Services
Financing
Investment Financing
Loans, Corporate Loans and Syndicated Loans
We offer you the installments and guarantees that are best for you, based on your
situation and operations.
Structured Financing
Our sector specialists offer you tailormade financial solutions, particularly in the fields
of both, infrastructure and energy.
Financial Products and Services
Services for Business
Eficacia, servicio y compromiso con el cliente
Cash Management
Payments Management
Liquidity Management
Guarantees
FOREX Operations
Financial Products and Services
Services for Business
Cash Management
Cheque Management
Managing your cheques more effectively allows for greater control over the collections
you make.
Main Advantages
Reduction in the time needed to manage collection of your cheques payable
Improved and faster notice regarding possible returns
Financial Products and Services
Services for Business
Payment Management
Payments without Complications
We offer you an effective system which allows a comprehensive treatment of your
transfer payments through Línea Abierta, with the following advantages:
Online consultation of transfers
Processing of urgent payments
Specific payments to government agencies
Mass Payments
Issue mass payments directly from your accounting system, vía Línea Abierta.
Tax and Social Security Payments
Through our international branches, you can make tax payments on behalf of your
foreign subsidiaries and branches.
Financial Products and Services
Services for Business
Liquidity Management
Options Designed to Derive Profit from Your Surplus
Both the development of new tools and the evolution of markets allow us to offer you
sophisticated solutions that are specifically adapted to your business’s needs:
Short-term investment: investment that best fits your needs, short-term
deposits
Checking Accounts: our range of products is rounded off with the possibility
to manage on a daily basis any of various types of checking accounts, which
combine functionality and profitability, in different currencies
Cross Currency
Allows for a swift management of accounts in the local currency of each country and
each of the most common currencies.
Financial Products and Services
Services for Business
Guarantees
The Guarantee Your Business Needs
The perfect product for businesses needing to guarantee their payment and
contractual obligations in tenders and commercial or financial operations.
Categories:
Technical guarantees for tenders and contractual obligations. We aim to
help you reduce processing time by providing market standard guaranteed
templates
Economic and Financial Guarantees. To secure your payment obligations
Guarantee Lines. Ideal for reducing processing and paper transactions when
you need coverage for guarantees on a regular basis
Financial Products and Services
Services for Business
FOREX Operations
Currency Exchange
We carry out your currency exchange needs in real time on the spot market, allowing
you to have the most accurate prices at all times.
Exchange Rate Coverage
Mitigate exchange rate risk in your foreign subsidiaries and branches with the
coverage that our international treasury offers.
Financial Products and Services
Trade Finance
Eficacia, servicio y compromiso con el cliente
International Cash and
Payments Management
Financing and Guarantees
Foreign Exchange Markets
and Exchange Rate
Coverage
Other Trade Finance
Services
Financial Products and Services
Trade Finance
International Cash and
Payments Management
Carry out your operations in real time
Though the branch, we offer you the following options:
Receipt and automatic payment of transfers. Personal management of
payments or tariff items for high-value transfers, simply by accessing Línea
Abierta
Immediate issuance of transfers, either from the branch or via Línea
Abierta, with a timestamped, SWIFT proof of receipt of funds
In addition to these exclusive offerings of CaixaBank, we also offer you other payment
options, such as issuance of guarantees, Clean Import Collections and
Documentary Import Collections.
Financial Products and Services
Trade Finance
Financing and Guarantees
Finance Your Projects Abroad
We offer you working capital financing through Foreign Currency Loans that
incorporate direct emission of transfers.
We also provide you with specific lines of credit for your business’s
internationalization, as well as issuance of all kinds of guarantees used in trade
finance. Always with specialized advisory services and technical support.
Financial Products and Services
Trade Finance
Foreign Exchange Markets
and Exchange Rate Coverage
Secure the value of tomorrow’s currency today
We provide you with the price of all coverage solutions, instantly available as a
function of the currency and period of the operation. If you prefer, you may directly
access exchange rates via Línea Abierta, thus allowing you to definitively settle
transactions.
Financial Products and Services
Trade Finance
Other Trade Finance Services
Correspondent Bank Agreements
Through the group, CaixaBank has bilateral agreements with over 2,900 international
banks so that you can carry out business in any country in the world. Futhermore, we
serve as an intermediary between our corporate clients and our correspondent banks
to create tailormade solutions for even your most complex international financing
operations.
Financial Products and Services
Investment Banking
Eficacia, servicio y compromiso con el cliente
Specialized Financing
Syndicated Loans
Financial Products and Services
Investment Banking
Specialized Financing
Carry Out Your Largest Business Projects
For special debt refinancing operations requiring ad hoc solutions, we offer financing
structures that are based on projected operating income or other formulas that will
make the desired acquisition or transaction possible. In particular, we offer a
specialized financing structure service, with the following features:
Corporate: financing for the company’s day-to-day operations
Acquisitions: by adapting to the cash flows of the entity
Asset Financing: financially based solutions for shipbuilding and the purchase of
aircraft
Real Estate Transactions: from existing debt and other transactions
Energy: financing conventional and renewable energy projects including wind
farms, solar energy and photovoltaics
Infrastructure: financing construction and operation of highways, ports, hospitals
and other public and private infrastructure
Financial Products and Services
Investment Banking
Syndicated Loans
Syndicated Loans
When your business’s growth needs a significant amount of financing and other
financial institutions must be involved, we at CaixaBank offer you our experience as
an Agent Bank, to structure financing through syndicated loans and Club Deals, and
also to act as your interlocutor when negotiating with other banks.
Financial Products and Services
Online Banking
Eficacia, servicio y compromiso con el cliente
Línea Abierta
Financial Products and Services
Online Banking
Línea Abierta
Make Inquiries and Perform Operations From Your Office
We provide you with all the necessary information and services which allows
comfortable management of day-to-day operations.
Online inquiries on you accounts, products and services. With visualization of
previous statements, as well as printing or downloading of digital documentation.
Exclusive range of cash and payment management services, both domestically
and internationally. Domestically via file uploads, periodic orders and individual
orders.
What Makes Us Unique
Innovation: we help you to improve your business’s competitiveness by offering the
banking solutions of tomorrow. Not only are we continuously developing services to
provide simple solutions to complex problems, but we are also innovators in
processing, security and speed.
Quality of Service: “la Caixa”’s quality guarantee, as certified by AQMetrix, an
independent consultant.
Financial Products and Services
Online Banking
Línea Abierta
Main Advantages
Security and Confidentiality: we guarantee total confidentiality thanks to a
sophisticated system of passwords
Cost Reduction: administrative and management needs are reduced, as you can
mechanize process and perform transactions online. You can also view digital images
of all communications, thereby reducing the need to physically store files.
Speed and comfort: thanks to our automated services, you can save a considerable
amount of time by performing all operations from any computer with internet access
Profitability: due to a more effective use of financial resources, investment flows,
financing, cash and payment management are expedited.
Personalization: this service is available in 3 different languages (English, Spanish
and local language)
Financial Products and Services
International Branches
Contact Information
Morocco
Poland - Warsaw
Casablanca
Tanger
Boulevard d’Anfa, 179
20100 Casablanca – Maroko
Office Building S.A.R.L
Angle Av. Med V et Av. Victor Hugo
4ème étage Nº28
90000 Tanger-Maroc
Tel: +212 539 342 706
Fax:+212 539 342 727
Tel.: +212 522 979 340
Fax: +212 522 949 827
[email protected]
www.lacaixa.ma
SWIFT Code: CAIX MA MC XXX
Financial Products and Services
ul. Prosta 51
00-838 Warszawa – Polska
Tel.: +48 22 30 61 200
Fax: +48 22 30 61 229
[email protected]
www.lacaixa.pl
SWIFT Code: CAIX PL PW XXX
In business,
we’re always at your side.