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Summary of indicators – Corporate Responsibility Report “la Caixa” 2010

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Summary of indicators

2Corporate Responsibility “la Caixa” 2010

GRI G3 CONTENTS

1 STRATEGY AND ANALYSIS PAGE NUMBERS

1.1. Statement from the most senior decision-maker of the organization.

2

1.2. Description of key impacts, risks, and opportunities. 4; 23-31; 46-48; 98-107; 2010 Annual Report (4-13)

2 ORGANIZATIONAL PROFILE PAGE NUMBERS

2.1. Name of the organization. 112

2.2. Primary brands, products, and/or services. www.lacaixa.es; 56-59

2.3. Operational structure of the organization, including main divisions, operating companies, subsidiaries, and joint ventures.

2010 Annual Report (37; 84-92)

2.4. Location of organization’s headquarters. 112

2.5. Number of countries where the organization operates, and names of countries with either major operations or that are specifically relevant to the sustainability issues covered in the report.

49; 59

2.6. Nature of ownership and legal form. 2010 Annual Report (18-19)

2.7. Markets served“la Caixa” operates in the Spanish market and basically all income and expenses are generated in this market. Markets served include 10.5 million customers. 2010 Annual Report (53-54; 56-57)

2.8. Scale of the reporting organization. ( Employees, net sales, total capitalization, etc.)

15-16; 2010 Annual Report (46; 54; 56-57; 68)

2.9. Significant changes during the reporting period regarding size, structure, or ownership.

4; 49; 59

2.10. Awards received in the reporting period. 18-19

http://www.lacaixa.com/corporate/home_en.html?loce=es-particulars-Home-Home-pa-c01-6-ENGLISH



3 REPORT PARAMETERS PAGE NUMBERS

3.1. Reporting period for information provided. The information contained in the present Report refers to calendar year 2010.

3.2. Date of most recent previous report . The previous report corresponds to 2009.

3.3. Reporting cycle (annual, biennial, etc.) The “la Caixa” Corporate Responsibility Report is published annually.

3.4. Contact point for questions regarding the report or its contents.

112

3.5. Process for defining report content.5-7. The contents of the present Report are based on preparation guidelines for reports, specific supplements and GRI technical protocols.

3.6. Boundary of the report The information contained in the present report is for “la Caixa” and its subsidiaries: Caixa Capital Risc, GDS-Cusa, Silk, e-la Caixa, ServiHabitat, Vivienda Asequible, Sumasa, TradeCaixa, ServiTicket, PromoCaixa, MicroBank.

3.7. State any specific limitations on the scope or boundary of the report

Criteria CaixaCorp is not included in the scope of this report (except for the information given in EC1) as this group owns its own policies and management system as well as an independent Corporate Responsibility Report. Indicators’ scope and perimeter are shown in the “scope” column of the index. Moreover, environmental indicators do not refer to information related to Caixa Girona as it has only joined the Group in November 2010 and its environmental performance has been regarded as not material for the purposes of this report.

3.8. Basis for reporting on joint ventures, subsidiaries, leased facilities, outsourced operations, and other entities that can significantly affect comparability from period to period and/or between organizations.

In this Report, the subsidiaries Serviticket and TradeCaixa have been included in the perimeter. There have been no significant changes relative to the methods of assessment.

3.9. Data measurement techniques and the bases of calculations, including assumptions and techniques underlying estimations applied to the compilation of the Indicators and other information in the report. Explain any decisions not to apply, or to substantially diverge from, the GRI Indicator Protocols.

The contents of the present Report are based on preparation guidelines for reports, specific supplements and GRI technical protocols.

3.10. Explanation of the effect of any re-statements of information provided in earlier reports, and the reasons for such re-statement (e.g.,mergers/acquisitions, change of base years/periods, nature of business, measurement methods).

No restatement of information occurred.

3.11. Significant changes from previous reporting periods in the scope, boundary, or measurement methods applied in the report.

In this Report, the subsidiaries Serviticket and TradeCaixa have been included in the perimeter. There have been no significant changes relative to the methods of assessment.

3.12. Table identifying the location of the Standard Disclosures in the report.

3; Summary of indicators Corporate Responsibility Report 2010

3.13. Policy and current practice with regard to seeking external assurance for the report.

109-110



4 GOVERNANCE, COMMITMENTS AND STAKEHOLDER ENGAGEMENT PAGE NUMBERS

4.1. Governance structure of the organization, including committees under the highest governance body responsible for specific tasks, such as setting strategy or organizational oversight.

2010 Annual Report (18-19)

4.2. Indicate whether the Chair of the highest governance body is also an executive officer.


4.3. For organizations that have a unitary board structure, state the number of members of the highest governance body that are independent and/or non-executive members.


4.4. Mechanisms for shareholders and employees to provide recommendations or direction to the highest governance body.

2010 Annual Report (18-19); 2010 Annual Corporate Governance Report (2-8)

4.5. Linkage between compensation for members of the highest governance body, senior managers, and executives (including departure arrangements), and the organization’s performance (including social and environmental performance).

2010 Annual Corporate Governance Report (31 and 86)

4.6. Processes in place for the highest governance body to ensure conflicts of interest are avoided.

2010 Annual Corporate Governance Report (16-19)

4.7. Process for determining the qualifications and expertise of the members of the highest governance body for guiding the organization’s strategy on economic, environmental, and social topics.

2010 Annual Corporate Governance Report (5-6; 16-17)

4.8. Internally developed statements of mission or values, codes of conduct, and principles relevant to economic, environmental, and social performance and the status of their implementation.

10

4.9. Procedures of the highest governance body for overseeing the organization’s identification and management of economic, environmental, and social performance, including relevant risks and opportunities, and adherence or compliance with internationally agreed standards, codes of conduct, and principles.

2010 Annual Corporate Governance Report (4; 16-17) www.lacaixa.es; http://portal.lacaixa.es/infocorporativa/responsabilidadcorporativa/modelofinanzas_en.html http://portal.lacaixa.es/infocorporativa/infoinversores/infoinversores_en.html


http://portal.lacaixa.es/infocorporativa/responsabilidadcorporativa/modelofinanzas_en.html

http://portal.lacaixa.es/infocorporativa/infoinversores/infoinversores_en.html



4.10. Processes for evaluating the highest governance body’s own performance, particularly with respect to economic, environmental, and social performance.

2010 Annual Corporate Governance Report (12)

4.11. Explanation of whether and how the precautionary approach or principle is addressed by the organization.

20 (Solvency)

4.12. Externally developed economic, environmental, and social charters, principles, or other initiatives to which the organization subscribes or endorses.

69;71; 82-88; 107

4.13. Memberships in associations (such as industry associations) and/or national/international advocacy organizations in which the organization: * Has positions in governance bodies; * Participates in projects or committees; * Provides substantive funding beyond routine membership dues; or * Views membership as strategic.

85; 86-87; 105-106

4.14. List of stakeholder groups engaged by the organization. 5-8

4.15. Basis for identification and selection of stakeholders with whom to engage.

5-8

4.16. Approaches to stakeholder engagement, including frequency of engagement by type and by stakeholder group.

5-8

4.17. Key topics and concerns that have been raised through stakeholder engagement, and how the organization has responded to those key topics and concerns, including through its reporting.

5-8



INFORMATION ON MANAGEMENT APPROACH

ECONOMIC DIMENSION PAGE NUMBERS

Economic Performance 15-16; 20-21

Market presence 49-50; 52-55

Indirect economic impacts 61-64 (MicroBank); 65-67 (Helping entrepreneurs)

ENVIRONMENTAL DIMENSION PAGE NUMBERS

Materials 75

Energy 74

Water 75

Biodiversity 77-78 (Training and awareness raising)

Emissions, effluents and waste 75

Products and services 70-72

Compliance 69-81

Transport 77

Overall 69-81

SOCIAL DIMENSION – Labour Practices PAGE NUMBERS

Employment 89-97; 98-99

Labor/management relations 8

Occupational health and safety 97

Training and education 91-95

Diversity and equal opportunity 96

SOCIAL DIMENSION - Human Rights PAGE NUMBERS

Investment and procurement practices 14

Non-discrimination 90; 96



Freedom of association and collective bargaining 10-12 (Code of Ethical Values and Principles of Action) and 89-97 (A great team)

Child labor In light of the sphere of operation of “la Caixa” no risk operations or activities have been identified.

Forced and compulsory labor In light of the sphere of operation of “la Caixa” no risk operations or activities have been identified.

Complaints and Grievance Practices 10-12

Security practices 46-48

Indigenous rights Not applicable to activities of ”la Caixa”.

SOCIAL DIMENSION - Society PAGE NUMBERS

Community 82-88

Corruption 14

Public policy “la Caixa” is not in any way involved in nor has it any policy regarding public policies or the activity of lobbying.

Anti-competitive behavior No legal actions exist against ”la Caixa” for anticompetitive behaviour.

Compliance 2010 Annual Corporate Governance Report (82-83)

SOCIAL DIMENSION - Product Responsibility PAGE NUMBERS

Customer health and safety 47; 54

Product and service labelling 46-48

Marketing communications 46-48

Customer privacy 13

Compliance 10-12; 14; 46-48



INDICATORS GRI G3 AND SPECIFIC TO FINANCIAL SECTOR

GRI G3 INDICATORS

ECONOMIC PERFORMANCE INDICATORS TYPE PAGE NUMBERS SCOPE* VERIFICATION

EC1 Direct economic value generated and distributed, including revenues, operating costs, employee compensation, donations and other community investments, retained earnings, and payments to capital providers and governments.

C The sum of direct and indirect contributions of “la Caixa” Spanish GDP was 0.63%.Data regarding economic value generated and distributed was obtained through the Consolidated Annual Accounts of the ”la Caixa” Group, whose scope of consolidation includes the Criteria CaixaCorp Group, which is not included in the scope of the ”la Caixa” Corporate Responsibility Report, as the Group has its own policy and independent management system and CR report. The breakdown by country is not relevant to “la Caixa” as Spain is its main country of operations.

“la Caixa” Group

EC2 Financial implications and other risks and opportunities for the organization’s activities due to climate change.

C 70; 72“la Caixa”

Group

Economic value generated, distributed and retained by the “la Caixa” Group

(Totals in EUR thousand) 2008 2009 2010

Economic value generated 7,005,351 7,541,960 7,424,728

Gross margin 6,981,336 7,186,751 6,959,170

Profits from selling assets not classified as non-current assets held for sale 26,478 4,792 461,244

Profit / loss on non-current assets held for sale -2,463 350,417 4,314

Economic value distributed 3,594,778 3,544,080 3,081,342

Other general administration costs (not including taxes) 936,834 851,777 733,639

Labour costs 2,112,575 2,190,896 2,165,834

Tax on profits plus taxes included in other general administration costs 45,369 76,407 -208,131

Endowment to Welfare Projects 500,000 425,000 390,000

Economic value retained 3,410,573 3,997,880 4,343,386



EC3 Coverage of the organization’s defined benefit plan obligations.

C Benefits given by “la Caixa” in financial terms: 33,051,370 The pension commitments of “la Caixa” are externalized and implemented through a pensions plan and complementary policies taken out with an insurance company. The “la Caixa” employee pensions plan, which complements the public pensions systems (Social Security), is a defined mixed contributions plan (defined contribution for retirement and defined loan for invalidity and death). This Plan responds to the institution’s undertakings established in a Labour Agreement in 2000, which improves the regulatory framework of the Savings banks’ Agreement in the area of pensions. See also Note 37 to Consolidated Financial Statements 2010 and Note 34 of the Annual Accounts 2010.


EC4 Significant financial assistance received from government. C 91. “la Caixa” has only received support for training.“la Caixa”

Group

EC5 Range of ratios of standard entry level wage compared to local minimum wage at significant locations of operation.

A

94 (Pay System). Number of times starting salary in the company exceeds minimum legal salary: 2,6. The main country of operations of “la Caixa” is Spain, and has only 48 employees (from a workforce of 25.288 people) who work abroad. All employees, regardless of their geographical destination, have salaries above the statutory minimum provided in each country.

“la Caixa”

“la Caixa” Caixa Capital Risc e-la Caixa GDS-Cusa MicroBank PromoCaixa Silk Sumasa ServiHabitat Vivienda Asequible Serviticket TradeCaixa

Total number of full-time employees 24,952 14 98 118 12 27 248 129 144 31 18 12

Total number of part-time employees 336 4 5 1 0 6 6 11 4 2 4 2

Total number of employees on leave 549 0 12 2 0 2 1 1 2 0 0 0

Pension plan contributions 98,474,440.00 0 0 8,074 15,381 0 0 0 0 0 0 0

Health grants (health plans) 11,507,360 7,867 47,016 51,813 3,140 0 103,086 53,691 62,471 15,683 9,005 5,922

Study/education grants 17,053,550 22,252 0 12,450 0 0 42,695 2,220 1,899 37,211 n/a 6,987

Other social benefits 7,409,890 0 151,848 2,509 19,705 0 0 87,074 121,839 51,706 33,408 n/a

Life or accident insurance 21,420,590 3,987 45,386 12,936 243 0 47,349 10,674 7,520 3,405 8,013 2,922

Days granted for maternity leave (multiple birth)

140 126 126 126 126 136 118 126 126 126 126 126

Days granted for maternity leave (single birth)

122 112 112 112 112 112 112 112 112 112 112 112

Days granted for paternity leave 16 15 15 15 15 15 13 13 13 15 13 13



EC6 Policy, practices, and proportion of spending on locally-based suppliers at significant locations of operation.

C

103-104. “la Caixa” defines the “local” suppliers as those whose base of operations is Spain. “la Caixa” has trading desks that guarantee transparency and equality of opportunities in hiring. There is a policy of responsible purchasing being developed.

“la Caixa”

EC7 Procedures for local hiring and proportion of senior management hired from the local community at significant locations of operation.

C There are no specific procedures for the local hiring of senior management.“la Caixa”

GroupN.A.

EC8 Development and impact of infrastructure investments and services provided primarily for public benefit through commercial, in-kind, or pro bono engagement.

C

68-69; 79; 82-88; 101 and 102. “la Caixa” performs on a regular basis assessments and market studies in order to determine the needs of the communities in which it operates.


EC9 Understanding and describing significant indirect economic impacts, including the extent of impacts.

A82-88. ”la Caixa” to GDP is 0,63%. Budgetary allocations to Welfare Projects for 2011 is EUR 500 million.


ENVIRONMENTAL PERFORMANCE INDICATORS TYPE PAGE NUMBERS SCOPE* VERIFICATION

EN1 Materials used by weight or volume. C 75“la Caixa”

Group

EN2 Percentage of materials used that are recycled input materials.

C 75“la Caixa”

Group

EN3 Direct energy consumption by primary energy source. C 74Head Office “la Caixa”



EN4 Indirect energy consumption by primary source. C Indirect energy consumption for ”la Caixa” and subsidiaries - Breakdown per primary energy type consumed (GJ)


EN5 Energy saved due to conservation and efficiency improvements.

A 76-77“la Caixa”

Group

EN6 Initiatives to provide energy-efficient or renewable energy based products and services, and reductions in energy requirements as a result of these initiatives.

A 76-79“la Caixa”

GroupOnly qualitative data provided.

EN7 Initiatives to reduce indirect energy consumption and reductions achieved.

A 72“la Caixa”

GroupOnly qualitative data provided.

EN8 Total water withdrawal by source. C 75

Head Office “la Caixa”,

Caixa Capital Risc, e-la

Caixa, Silk, Sumasa and Servihabitat.

EN9 Water sources significantly affected by withdrawal of water.

AThe water used by ”la Caixa” is always from the municipal supply, so it does not affect water sources or related habitats.


N.A.

2008 2009 2010

Coal 986,120 945,729 879,433

Natural Gas 35,067 33,630 31,273

Oil Derivatives 207,454 198,957 185,010

Biomass 17,579 16,859 15,677

Wind 14,466 13,874 12,901

Hydroelectric 115,832 111,088 103,300

Nuclear 934,385 896,114 833,296

Conversion factor: GJ per Kwh: 0.0036. Source: GRI Technical Protocols



EN10 Percentage and total volume of water recycled and reused.

A Indicator not applicable “la Caixa”

GroupN.A.

EN11 Location and size of land owned, leased, managed in, or adjacent to, protected areas and areas of high biodiversity value outside protected areas.

CIndicator not applicable as ”la Caixa” does not have installations in protected areas or in high biodiversity areas.


N.A.

EN12 Description of significant impacts of activities, products, and services on biodiversity in protected areas and areas of high biodiversity value outside protected areas.

CIndicator not applicable as ”la Caixa” does not carry out any harmful activity in protected areas or high biodiversity areas.


N.A.

EN13 Habitats protected or restored. A Indicator not applicable to the activities of ”la Caixa”.“la Caixa”

GroupN.A.

EN14 Strategies, current actions, and future plans for managing impacts on biodiversity.

A Indicator not applicable to the activities of ”la Caixa”.“la Caixa”

GroupN.A.

EN15 Number of IUCN Red List species and national conservation list species with habitats in areas affected by operations, by level of extinction risk.


GroupN.A.

EN16 Total direct and indirect greenhouse gas emissions by weight.

C 74“la Caixa”

Group

EN17 Other relevant indirect greenhouse gas emissions by weight.

C 74“la Caixa”

Group

Own vehicle emissions,

transportation of employees or courier services not included.

EN18 Initiatives to reduce greenhouse gas emissions and reductions achieved.

A 77“la Caixa”

Group



EN19 Emissions of ozone-depleting substances by weight. CIndicator not applicable as ”la Caixa” does not produce significant emissions of destructive substances for the ozone layer.


N.A.

EN20 NOx, SOx, and other significant air emissions by type and weight.

C Indicator not applicable given ”la Caixa”’s low level of consumption of fossil fuels.“la Caixa”

GroupN.A.

EN21 Total water discharge by quality and destination. CIndicator not applicable as ”la Caixa” has not no carried out any signifiant discharge of residual waters.


N.A.

EN22 Total weight of waste by type and disposal method. C75. “la Caixa” reports on the waste collected for recycling as this is considered the most suitable method of elimination due to the institution’s activity.

“la Caixa” Group except

Serviticket

EN23 Total number and volume of significant spills. CIndicator not applicable as during 2010 no significant accidental leakage has taken place in ”la Caixa”.


N.A.

EN24 Weight of transported, imported, exported, or treated waste deemed hazardous under the terms of the Basel Convention Annex I, II, III, and VIII, and percentage of transported waste shipped internationally.


GroupN.A.

EN25 Identity, size, protected status, and biodiversity value of water bodies and related habitats significantly affected by the reporting organization’s discharges of water and runoff.


GroupN.A.

EN26 Initiatives to mitigate environmental impacts of products and services, and extent of impact mitigation.

C70-72. “la Caixa” adheres to the Equator Principles and in 2010 no type A project, with a high environmental impact, was registered.

“la Caixa”Only qualitative data provided.

EN27 Percentage of products sold and their packaging materials that are reclaimed by category.

CIndicator not applicable as “la Caixa” does not deal in products liable to be reclaimed.


N.A.

EN28 Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with environmental laws and regulations.

CDuring the financial year 2010 ”la Caixa” was not subject to any fines or legal sanctions whatsoever, related to compliance with environmental regulations.

“la Caixa”



EN29 Significant environmental impacts of transporting products and other goods and materials used for the organization’s operations, and transporting members of the workforce.

A76-77. The transportation of “la Caixa”’s products does not cause any significant impact.


Does not include

transportation of personnel.

EN30 Total environmental protection expenditures and investments by type.

A Not material information“la Caixa”

GroupN.A.

GRI G3 INDICATORS

SOCIAL PERFORMANCE INDICATORS TYPE PAGE NUMBERS SCOPE* VERIFICATION

Labour practices

LA1 Total workforce by employment type, employment contract, and region.

C “la Caixa” Group

Breakdown of employees by type of work, type of contract and region

“la Caixa”Caixa Capital

Risce-la Caixa GDS-Cusa MicroBank PromoCaixa Silk Sumasa ServiHabitat

Vivienda Asequible

Serviticket TradeCaixa

% of employees working in other countries 0.19 0 0 0 0 0 0 0 0 0 0 0

% of employees with permanent or indefinite contracts 99.80 100 98.97 97.54 100 100 98.43 98.57 89.7 81.82 100 100

Total number of trainees 24 0 4 0 0 0 15 0 2 0 2 1

Total number of employees with full-time permanent or

indefinite contracts 25,182 18 97 115 12 33 244 127 144 25 22 14

Total number of employees with part-time permanent

or indefinite contracts56 1 0 4 1 0 6 11 4 2 0 0

% of employees with temporary contracts 0.20 0.00 1.02 2.46 0.00 0.00 1.57 1.43 10.30 18.18 0.00 0.00



LA2 Total number and rate of employee turnover by age group, gender, and region.

C Information is not broken down by age group. This information will not be available until 2012, when it is scheduled to report.


LA3 Benefits provided to full-time employees that are not provided to temporary or part-time employees, by major operations.

A “la Caixa” Group

Total number of employees and average employee turnover, broken down by age, sex and region

“la Caixa” Caixa Capital Risc e-la Caixa GDS-Cusa MicroBank PromoCaixa Silk Sumasa ServiHabitat Vivienda Asequible Serviticket TradeCaixa

Total number of employees in the workforce 25,288 19 98 122 13 33 254 140 165 33 22 14

Total number of employees with full-time permanent or indefinite contracts (men) 14 1 5 7 0 3 6 5 7 0 1 5

Total number of employees with full-time permanent or indefinite contracts (women)

8 0 0 5 1 2 0 0 0 0 0 9

Average employee turnover (men) % 0.11 10.26 13.00 5.26 7.94 2.99 3.05 4.20 7.33 0.00 n/a 0.00

Average employee turnover (women) % 0.07 14.29 n/a n/a n/a 5.97 0 0.00 n/a 0.00 n/a 0.00

Total number and percentage of all “la Caixa” employees that have left the company by region

Central services

Rest of the network business

Representative offices

Operational branches

Balearic Islands

Canary Islands

Castilla León and Castilla La

ManchaCatalonia Valencia-

Murcia Madrid Northern Areas

Southern Areas

Total number and percentage of employees with permanent or indefinite contracts that have left the company

6 (27.2%) 1 (4.54%) 0 (0%) 2 (9.09%) 0 (0%) 0 (0%) 1 (4.54%) 4 (18.18%) 0 (0%) 3 (13.63%) 4 (18.18%) 1 (4.54%)

Social benefits for full-time employees that are not offered to part-time or temporary employees, broken down into the main categories All part-time employees with indefinite contracts have, proportionally, the same benefits as full-time employees.

“la Caixa” e-la Caixa GDS-Cusa MicroBank Silk Sumasa ServiHabitat Vivienda Asequible

Contributions to pension plans 98,474,440 n/a n/a 15,381 n/a n/a n/a n/a

Health grants (health plans) n/a 47,016 n/a n/a 103,086 53,691 62,471 n/a

Study/education grants n/a n/a 12,450 0 n/a n/a n/a n/a

Other social benefits n/a 151,848 n/a n/a n/a n/a n/a n/a

Life or accident insurance n/a 45,386 n/a 243 47,349 n/a n/a n/a

At Caixa Capital Risc, PromoCaixa, TradeCaixa and Serviticket all employees have indefinite contracts. At GDS-Cusa and MicroBank all employees have social benefits, except in the case of study grants and, in MicroBank, contributions to pension plans and life insurance, which are voluntary.At ServiHabitat and Sumasa, all employees receive the same benefits, except the health policy.At Vivienda Asequible, all employees who have been at the company over a year receive the same benefits.



LA4 Percentage of employees covered by collective bargaining agreements.

CAll employees of ”la Caixa” contracted in Spain are covered by Saving Banks Collective Agreements.


LA5 Minimum notice period(s) regarding significant operational changes, including whether it is specified in collective agreements.

CMinimum notice period is the same as that established in a general nature under common labour legislation (Workers By-laws and similar applicable legislation), 60 days.


LA6 Percentage of total workforce represented in formal joint management-worker health and safety committees that help monitor and advise on occupational health and safety programs.

A

100% of the staff of “la Caixa”, GDS-Cusa and Sumasa. “la Caixa” has two Health and Safety at Work Committees: the Single Committee of Health and Safety at Work is a Parity Committee with representation – in equal parts – of Management and Workers’ Representatives. And the Coordination Committee for the Prevention of Risks at Work is an internal committee formed by representatives of the General Deputy-Management responsible for General Services, the management of the area of Human Resources, the management of the area of Efficiency, the management of the area of Auditing, with the job of ensuring compliance with the legislation in force and which develops and authorizes the actions and processes of health at work in the Institution.

“la Caixa”, GDS-Cusa

and Sumasa



LA7 Rates of injury, occupational diseases, lost days, and absenteeism, and number of work-related fatalities by region.

C Average duration of time off for adoption in “la Caixa”: 684 hours. Employees: “la Caixa”: 25,288; “la Caixa” Group: 28,651. Subcontracted staff whose safety “la Caixa” is responsible for: not reported


“la caixa” Caixa cap risc e-la caixa Gds-Cusa Microbank Promocaixa Servihabitat Serviticket Silk Sumasa Tradecaixa Vivienda

asequible

Absenteeism due to accidents in the workplace

Average length of absence for accidents/Hours Hours 31 0 704 0 0 416 15 0 19 13 0 104

Total number of accidents Units 346 0 3 0 0 2 4 0 8 1 0 2

Total number of accidents with leave Units 158 0 0 0 0 1 2 0 2 1 0 1

Total number of accidents in itinere with leave Units 104 0 3 0 0 1 2 0 2 0 0 1

Total number of accidents in itinere without leave Units 13 0 0 0 0 0 0 0 2 0 0 0

Total number of accidents without leave Units 71 0 0 0 0 0 0 0 2 0 0 0

Total number of working days lost to accidents Units 4,886 0 88 0 0 52 46 0 29 13 0 8

Absentismo por enfermedad común

Average length of time off for general illness/Hours Hours 278 144 320 99 72 174 132 n/a 126 177 n/a 68

Total instances of time off for general illness Units 6,501 2 24 50 5 13 34 n/a 35 31 n/a 8

Total number of working days off for general illness Units 225,541 36 959 621 45 283 560 n/a 550 687 47 68

Absenteeism rate for general illness % 2.42 0.89 15.00 2.46 3.57 3.15 1.70 n/a 0.86 2.20 2.26 0.79

Breakdown of the number of employees of “la Caixa” by region

Head office Rest of the network business

Representative offices

Operational branches Balearic Islands Canary

Islands

Castilla León and Castilla La Mancha

Catalonia Valencia-Murcia Madrid Northern

AreasSouthern

Areas

Number of employees 1,543 582 17 30 935 674 1,318 8,719 2,380 3,248 2,746 3,096

Absenteeism rate for general illness 1.72% 1.97% 0% 0% 2.27% 3.42% 1.74% 2.49% 2.55% 2.28% 2.65% 2.63%



LA8 Education, training, counseling, prevention, and risk-control programs in place to assist workforce members, their families, or community members regarding serious diseases.

C

The Occupational Hazard Service is in charge of organizing campaigns to inform employees of matters concerning occupational hazards and to promote healthy living habits. In 2010 courses have been made available to employees, through the intranet, on the prevention of high blood pressure, methods of tobacco dependency treatment, the prevention of obesity, early detection of breast cancer, prevention of backache and medical emergencies. A first aid guide has also been published and advice is offered on the website on lipoatrophy, road safety and self-medication.


LA9 Health and safety topics covered in formal agreements with trade unions.

A

“la Caixa”, apart from the collective agreement with the Savings Bank sector, includes internal agreements signed between management and trade unions for the improvement of working conditions. The institution as a series of parity commissions, such as Single Committee of Health and Safety at Work. In 2010 the Protocol for the prevention, handling and eradication of sexual harassment and workplace mobbing.


LA10 Average hours of training per year per employee by employee category.

C 91-93.Not broken down by type of employment. “la Caixa”

Group

LA11 Programs for skills management and lifelong learning that support the continued employability of employees and assist them in managing career endings.

A91-93. We do not report on the continual training of employees that supports them in the management of the end of their working lives, nor on the early retirement plans offered to employees who are nearing retirement age.


LA12 Percentage of employees receiving regular performance and career development reviews.

A 100% of the staff are regularly assessed on their performance. “la Caixa”



LA13 Composition of governance bodies and breakdown of employees per category according to gender, age group, minority group membership, and other indicators of diversity.

C 15-16; 29; 89. The percentage of employees and directors within minority goups is not reported as “la Caixa” follows a policy of non-discrimination. Data not broken down by age groups.

“la Caixa”

LA14 Ratio of basic salary of men to women by employee category.

C

The professional team at ”la Caixa” are remunerated in accordance with their professional level and the tasks performed, regardless of sex or origin.2009.For the same professional category and years of service, basic salary for men and women is the same, for every category in the Institution. The ratio is 1.

“la Caixa”


Human rights

HR1 Percentage and total number of significant investment agreements that include human rights clauses or that have undergone human rights screening.

CThere are no significant investment agreements that include Human Rights clauses as it has been considered that thre are no risks that make these necessary.


HR2 Percentage of significant suppliers and contractors that have undergone screening on human rights and actions taken.

C103-104. The total number of contracts and suppliers is offered, but not the percentage, as it has not been possible to collect this information. We expect to do so once the Suppliers Portal being developed becomes operational.


No percentage is given.

Workforce broken down by sex, age group, belonging to minority groups and other diversity indicators

“la Caixa” employees: distribution by gender

2008 2009 2010

Men 53.7% 52.9% 52%

Women 46.3% 47.1% 48%

Number of employees

2008 2009 2010

“la Caixa” Group 27,818 27,505 28,651

“la Caixa” 25,335 24,944 25,288

% of “la Caixa” employees internally promoted

2008 2009 2010

21.01% 19.4% 26%

Women in the “la Caixa” management team

2008 2009 2010

12.2% 14.6% 17.5%



HR3 Total hours of employee training on policies and procedures concerning aspects of human rights that are relevant to operations, including the percentage of employees trained.

A 10-12 “la Caixa”Only qualitative data provided.

HR4 Total number of incidents of discrimination and actions taken.

C 97 “la Caixa”

HR5 Operations identified in which the right to exercise freedom of association and collective bargaining may be at significant risk, and actions taken to support these rights.

C In 2010 ”la Caixa” did not identify situations of risk in this regard. “la Caixa”

Group

HR6 Operations identified as having significant risk for incidents of child labor, and measures taken to contribute to the elimination of child labor.

CGiven their limited significance in “la Caixa”, hazardous activities and operations have not been identified.


HR7 Operations identified as having significant risk for incidents of forced or compulsory labor, and measures to contribute to the elimination of forced or compulsory labor.

C103-104 . Given their range of action in “la Caixa” hazardous activities and operations have not been identified.


HR8 Percentage of security personnel trained in the organization’s policies or procedures concerning aspects of human rights that are relevant to operations.

AAll security personnel are hired through one company which certifies that all security personnel are trained in the organization’s policies or procedures concerning aspects of human rights that are relevant to operations.

“la Caixa”

HR9 Total number of incidents of violations involving rights of indigenous people and actions taken.

A Indicator not applicable to the activities of “la Caixa”. “la Caixa”

GroupN.A.




Society

FS13 Access points in low-populated or economically disadvantaged areas by type.

C 49-50 “la Caixa”

Group

FS14 Initiatives to improve access to financial services for disadvantaged people.

C 49-50; 61-67; 105 “la Caixa”

Group

SO1 Nature, scope, and effectiveness of any programs and practices that assess and manage the impacts of operations on communities, including entering, operating, and exiting.

C82-88. The success of the programmes is assessed according to the number of beneficiaries and the high degree of participation of voluntary workers from “la Caixa”.


SO2 Percentage and total number of business units analyzed for risks related to corruption.

C

The Operational Unit of the Prevention of Money Laundering (UOPBC) has analyzed 626 operations, 91 of which have been notified to the Bank of Spain’s Executive Service.


SO3 Percentage of employees trained in organization’s anti-corruption policies and procedures.

C14. 100% of employees have received training on the Code of Conduct. Training activities on the new legislation regarding money laundering and the financing of terrorism are planned for 2011.




SO4 Actions taken in response to incidents of corruption. C

In the event that while providing a service to customers any employee of the Institution should commit any act which may be deemed as fraudulent or corruption, said act is considered a serious breach of collective agreements in force, giving rise to the application of sanctions as stipulated under said collective agreements in accordance to the specifications of each case. Therefore, one of the sanctions outlined in section 2.3 of Article 81 of the reference Agreement will be imposed in the event that any employee should be found to have committed a serious offence: complete loss of all seniority benefits for promotions; definitive loss of promotion rights; loss of professional status including demotion to the next lower level; suspension from employment and salary for a minimum of three months and maximum of six, or disciplinary termination of employment.

“la Caixa”Information provided for

existing policy.

SO5 Public policy positions and participation in public policy development and lobbying.

C”la Caixa” does not have a general defined policy in relation to participation in the development of public policies or lobby activities.


SO6 Total value of financial and in-kind contributions to political parties, politicians, and related institutions by country.

A 2010 Annual Corporate Governance Report (47-54) “la Caixa”

Group

Information required for Corporate

Governance Report is included.

SO7 Total number of legal actions for anti-competitive behavior, anti-trust, and monopoly practices and their outcomes.

AIn 2010 no action of any kind has been taken due to causes related to monopolistic practices or against free competition.

“la Caixa”

SO8 Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with laws and regulations.

C 13-14 “la Caixa”




Responsibility over products

FS15 Policies for the fair design and sale of financial products and services.

C 10-12; 14; 46-48 “la Caixa”

Group

FS16 Initiatives to enhance financial literacy by type of beneficiary.

C 65-67; 86-87; 102 “la Caixa”

Group

PR1 Life cycle stages in which health and safety impacts of products and services are assessed for improvement, and percentage of significant products and services categories subject to such procedures.

C 47-48;50; 54 “la Caixa”

PR2 Total number of incidents of non-compliance with regulations and voluntary codes concerning health and safety impacts of products and services during their life cycle, by type of outcomes.

A

During 2010 “la Caixa” has not been involved in any incidents for this reason, without no sanctions incurred nor early warnings given for the non-compliance of legislation or voluntary codes in matters of health and safety of products and services.

“la Caixa”

PR3 Type of product and service information required by procedures, and percentage of significant products and services subject to such information requirements.

C46-48. “la Caixa” does not operate the labelling of products and services. The products and services of “la Caixa” are subject to strict regulation as regards quality and transparency of the information for users.

“la Caixa”Only qualitative data provided.



PR4 Total number of incidents of non-compliance with regulations and voluntary codes concerning product and service information and labeling, by type of outcomes.

A44-48. “la Caixa” has not received any sanctions or resolutions or early warnings for non-compliance with legal regulations or voluntary codes in the advertising of information about products.

“la Caixa”

PR5 Practices related to customer satisfaction, including results of surveys measuring customer satisfaction.

A 41-43 “la Caixa”

PR6 Programs for adherence to laws, standards, and voluntary codes related to marketing communications, including advertising, promotion, and sponsorship.

C 46 (Autocontrol) “la Caixa”

PR7 Total number of incidents of non-compliance with regulations and voluntary codes concerning marketing communications, including advertising, promotion, and sponsorship by type of outcomes.

A46 (“la Caixa”’s Committee of Transparency of Financial Instruments). “la Caixa” has not received any sanction for non-compliance in matters of advertising or information about products in 2010.

“la Caixa”

PR8 Total number of substantiated complaints regarding breaches of customer privacy and losses of customer data.

A 13 “la Caixa”

PR9 Monetary value of significant fines for non-compliance with laws and regulations concerning the provision and use of products and services.

CNo penalty or sanction was imposed as a result of non-compliance with legislation regarding supply and use of products and services of the organization.

“la Caixa”



PRODUCT AND SERVICE IMPACT PAGE NUMBERS SCOPE* VERIFICATION

Financial services sector specific disclosure on management approach

FS1 Policies with specific environmental and social components applied to business lines.

68-72 “la Caixa”

Group

FS2 Procedures for assessing and screening environmental and social risks in business lines.


Group

FS3 Processes for monitoring clients’ implementation of and compliance with environmental and social requirements included in agreements or transactions.


Group

FS4 Process(es) for improving staff competency to implement the environmental and social policies and procedures as applied to business lines.

77-78 (Training and awareness raising) “la Caixa”

Group

FS5 Interactions with clients/investees/business partners regarding environmental and social risks and opportunities.

68-69; 56-58; 82-88; 101-102 “la Caixa”

Group

Performance indicators: Product portfolio

FS6 Percentage of the portfolio for business lines by specific region, size (e.g. micro/SME/large) and by sector.

56-58; 2010 Annual Report (42; 56-61); ”la Caixa” is active chiefly in the Spanish market, hence virtually all income and expense is generated in this market. The markets it serves enable it to reach 10.5 million customers.


FS7 Monetary value of products and services designed to deliver a specific social benefit for each business line broken down by purpose.

61-64 (MicroBank); 65-67 (Support for Entrepreneurs) “la Caixa”

Group

FS8 Monetary value of products and services designed to deliver a specific environmental benefit for each business line broken down by purpose.


Group

Performance indicators: Audit

FS9 Coverage and frequency of audits to assess implementation of environmental and social policies and risk assessment procedures.

73. In accordance with certification ISO 14001, a quarterly control of the policies is carried out, and both the EMAS and 14001 certifications and the reviews of the adaptation of finance operations to the Equator Principles are performed annually.


Data regarding risk assessment procedures is

given.



Performance indicators: Active ownership

FS10 Percentage and number of companies held in the institution’s portfolio with which the reporting organization has interacted on environmental or social issues.

71 (Equator Principles and PRI) “la Caixa”

Group

Data is provided for number of projects and volume of

transactions subject to Equator

Principles as well as

project finance agreements for projects targeting

environmental conservation or improvement.

FS11 Percentage of assets subject to positive and negative environmental or social screening.

71-72. Based on analysis performed, 22 projects awarded the type “B” and 33 as type “C” classification in accordance with the Equator Principles.


FS12 Voting polic(ies) applied to environmental or social issues for shares over which the reporting organization holds the right to vote shares or advises on voting.

”la Caixa” does not have formal voting policies related to social or environmental matters. “la Caixa”

Group



GLOBAL COMPACT PAGE NUMBERS GRI INDICATORS

HUMAN RIGHTS

Businesses should support and respect the protection of internationally proclaimed human rights.

10-12; 44-45; 83-85; 87; 102; 103-104; 107EC5, LA4, LA6-9, LA13-14, HR1-9, PR8

Businesses should make sure they are not complicit in human rights abuses.

10-12; 13; 97; 103-104 HR1-9

LABOUR

Businesses should uphold the freedom of association and the effective recognition of the right to collective bargaining.

10-12 and 89-97 (A great team)HR5, HR6, HR7, HR9, LA (1 a 14)

Businesses should uphold the elimination of all forms of forced and compulsory labour.

10-12; 89-97; 103-104HR5, HR6, HR7, HR9, LA (1 to 14)

Businesses should uphold the effective abolition of child labour. 10-12; 82-88;103-104HR5, HR6, HR7, HR9, LA (1 to 14)

Businesses should uphold the elimination of discrimination in respect of employment and occupation.

10-12; 91-93; 96HR5, HR6, HR7, HR9, LA (1 to 14)

ENVIRONMENTAL

Businesses should support a precautionary approach to environmental challenges.

36-39; 73-81,86 EC2; EN (1 to 30)

Businesses should undertake initiatives to promote greater environmental responsibility.

36-39; 73-81; 86 EN1-30, PR3-4

Businesses should encourage the development and diffusion of environmentally friendly technologies.

36-39; 65-67; 73-81 EN (1 to 30)

ANTI- CORRUPTION

Businesses should work against corruption in all its forms, including extortion and bribery.

14; 103-104 SO (2 to 8)

C Principal GRI G3 Indicator

A Additional GRI G3 Indicator

N/D Not Available Indicator

N/A Not Applicable Indicator

(*) Criteria CaixaCorp is not included in the scope of this report (except for the information given in EC1) as this group owns its own policies and management system as well as an independent Corporate Responsibility Report. Indicators’ scope and perimeter are shown in the “scope” column of the index. Moreover, environmental indicators do not refer to information related to Caixa Girona as it has only joined the Group in November 2010 and its environmental performance has been regarded as not material for the purposes of this report.



Credits

Coordination of content:KPMG

Layout: Baetica

Images:Front page: Èxit de Disseny

For further information:General

Caja de Ahorros y Pensiones de Barcelona, ”la Caixa”

Business address: Avda. Diagonal, 621-629 08028 Barcelona, EspañaTax Identification Number: G-58899998Telephone no.: (+34) 93 404 60 00Fax: (+34) 93 339 57 03Website address: www.lacaixa.es

Corporate Responsibility Department

Corporate Responsibility and Brand Department

T1, Ground Floor. Avda. Diagonal, 621-629. 08028, BarcelonaTelephone no.: (+34) 93 404 60 00 / Fax: 93 339 57 03www.lacaixa.es/corporateresponsibility

If you wish to send us any remarks or have any queries regarding this report, please write to the following address: [email protected]


http://www.lacaixa.es/corporateresponsibility

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