• Close

    Caja Rural de Navarra is a regional financial institution with 963 employees and 253 offices, located in Navarra (139), La Rioja (24), Gipuzkoa (37), Álava (18) and Bizkaia (35).

  • Committed

    Caja Rural de Navarra’s future is closely linked to the overall development of the region, which is why its commitment to the region is so complete and of vital importance to its own existence.

  • Social

    The available profits earned are exclusively allocated to two areas:

    90% ➜ Increase CRN’s reserves in order to carry on boosting the local economy

    10% ➜ Provide resources for the welfare fund

  • Solvent

    Caja Rural de Navarra’s high capital ratio means it is one of the most solvent financial institutions in Spain’s financial system. The fully loaded Common Equity Tier 1 ratio (CET 1) in December 2019 is 16,58%.

  • Qualified

    Caja Rural de Navarra is evaluated by two of the world's biggest rating agencies, with a rating of BBB+ from Fitch and Baa1 from Moody's, placing the institution among the best rated.

  • Efficient

    Caja Rural de Navarra belongs to the Caja Rural financial group, which covers the whole of Spain with 2,314 offices, 8,434 staff, 2,994 cash machines, 6.5 million customers and 1.5 million members.

  • 2019 Corporate Social Responsibility Report
    2019 CSR Report Summary ➜
    Download full PDF
    “Caja Rural de Navarra's business keeps it close to its community and impacts its social environment. This helps encourage sustainability and embodies our commitment to local economic development”
    Ignacio Terés de los Arcos
    Chairman of Caja Rural de Navarra

Do you want to know more about us?

  • Our team
    Support and guidance for the team is part of our corporate culture. We trust employees, give them responsibility and demand effort and commitment. This two-way process helps mould Caja Rural employees, creating value and competitive advantages for the organization and enhancing the person’s career development and employability.
    • 963 people
    • 51% men and 49% women
    • 12,85 years of average seniority
    • 95,85% graduates
    • Equipo humano
  • Customers
    The Bank has always been committed to customer focus as one of the core principles of its business.
    Sustainability
    The Bank has implemented a sustainability framework for its credit portfolio and has aligned the nine categories of its sustainability framework with the Sustainable Development objectives, reaching a volume of loans of 3,145 million euros granted and 43,608 beneficiaries.
    • 7-Afordable-and-clean-energy
    • 11-Sustainable-cities-and-communities
    • 12-Responsible-consumption-and-production

    Sustainable bonds

    As of December 31, 2019, the sustainable portfolio amounts to more than 3,100 million Euros.

    Solvency

    Due to its high level of capitalization, Caja Rural de Navarra is one of the most solvent financial institutions in the Spanish financial system. The ratio of Fully Loaded Ordinary Tier 1 Capital (CET 1) in December 2019 is 16.58%, one of the highest in the national financial sector.

  • Our relationship with the environment
    At Caja Rural de Navarra we see our environment as a valuable asset to be preserved and we take action on multiple levels to balance the development of our business with the needs of the environment:
    • Minimising resource consumption (energy, plastics, paper, etc.)
    • Direct actions to improve the environment (generation of renewable energy, planting trees, etc.)
    • Support for our customers in their sustainability projects
    • Support for cooperativism and the traditional farming sector, which sustains the rural population and ensures farming is done in a way that respects nature
    • Relación con el medio-ambiente
  • Our relationship with society
    • Guidance, training and cooperative advocacy
    • Teaching work
    • Sport
    • Aid work
    • Cultural and leisure activities
    • Social and economic development
    • Our relationship with society
  • Caja Rural de Navarra. 2019 in figures

    • New customers

      31.207

      Total customers: 599.094

    • New branch

      1

      Total branches: 253

    • ATMs

      316

    • Employees

      963

    • Shareholders’ equity

      1.177

      (million)

    • Loans and advances to customers

      8.127

      (million)

    • Directly generated economic value

      229

      (million)

    • Education and development fund

      9,28

      (million)

  • We are part of Caja Rural Group

    We believe in the European cooperative banking model

    “We combine the reliability of a large group with the familiarity and know-how of the best team”
    icono-mantenimiento

    We hold our own legal personality and decision-making ability

    icono-arraigo

    We are rooted in the region, with a close involvement in its social and economic development.

    icono-existencia

    We have and comply with mechanisms for engagement with associated bodies.

    Close - Committed - Social

    Logo-CajaRural

    2.314 offices

    adn-oficinas

    8.434 employees

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Corporate Social Responsibility Reports of Caja Rural de Navarra year by year