CaixaBank, S.A., an integrated financial group, engages in retail banking, insurance, and investment businesses in Spain and internationally. Its deposit products include current accounts and other demand deposits, savings accounts, and time deposits. The company’s loan portfolio includes commercial loans, secured loans, mortgage loans, and other loans. It also provides insurance products, including life, health, accident, multi-risk, and auto insurance products, as well as pension plans through its branches, offices, brokers, consultants, Internet, and telephone sales. In addition, the company offers investment and pension funds, factoring and finance leasing services, and online and mobile banking services. Further, it has strategic alliances with banking partners, operative branches, offices of representation, Spanish Desk, and correspondent banks to provide international banking services. The company provides its products and services to individuals, corporate customers, and small and medium enterprises. As of September 30, 2012, CaixaBank, S.A. operated 6,631 branches and 9,945 ATMs. The company was formerly known as Criteria CaixaCorp, S.A. and changed its name to CaixaBank, S.A. in July 2011. The company was incorporated in 1980 and is headquartered in Barcelona, Spain. CaixaBank, S.A. operates as a subsidiary of Caixa d'Estalvis i Pensions de Barcelona.