Caja Laboral: Integración y Crecimiento

Caja Laboral was a Spanish cooperative bank that was known for its commitment to social and economic development.

Caja Laboral was founded in 1947 and was initially focused on serving the needs of workers and their families in the Basque region.

One of the bank's key goals was to promote economic growth and development in the region through financial services and support for small businesses.

Caja Laboral played a significant role in the economic development of the Basque region, providing financing for small and medium-sized enterprises and supporting local economic growth.

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Caja Laboral was founded in 1959 as part of the first wave of cooperativism in the Basque region, along with Fagor and 41 other cooperatives that followed the cooperative philosophy of José María Arizmendiarrieta.

Its mission was to promote popular savings and channel resources towards the development of the Mondragón Corporación Cooperativa (MCC), which is the parent company of Caja Laboral. In 1970, the resources managed by Caja Laboral reached 3.204 million pesetas.

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Caja Laboral was the first cooperative bank in Spain and its unique governance structure is based on the principles of cooperativism, where the owners are the workers themselves. This approach has allowed Caja Laboral to maintain its independence and focus on serving the needs of its members and the community.

Here's a breakdown of Caja Laboral's expansion across Spain:

Caja Laboral has a significant presence in various regions of Spain. The entity has expanded its operations to nine countries, with a stated goal of "predicating with example".

Caja Laboral has a substantial number of sucursales (branches) across different regions. In the País Vasco and Navarra, there are 257 sucursales, with Vizcaya having the most at 93. The rest of Spain has 147 sucursales, with Zaragoza having the most at 33.

Here is a breakdown of the sucursales in the rest of Spain:

Caja Laboral's expansion has been significant, with a strong presence in various regions.

Las asambleas de Caja Laboral e Ipar Kutxa dan luz verde a la integración. This marked a significant step towards their merger.

The decision was formalized through an escritura pública, a public deed that legally binds the two entities. This was a crucial step in the integration process.

The new entity will have its sede central, or central headquarters, located in Mondragón, the seat of the cooperative group. This strategic location will serve as the hub for the merged entity.

The resulting group will manage over 25,000 million euros in activos, or assets. This is a substantial amount of financial resources.

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Caja Laboral, como banco vasco, ofrece una variedad de cuentas bancarias para diferentes necesidades. Laboral Kutxa dispone de cuentas bancarias diferenciadas en función del tipo de servicio para el que se destinan.

Entre las cuentas que puedes abrir en Laboral Kutxa se encuentran la Cuenta Joven, la Cuenta Ahorro Click, la Cuenta Vivienda, la Cuenta Multiseguros, la Cuenta Super Bat, y la Cuenta de Pago Básica. Además, puedes abrir la Cuenta Joven y la Cuenta Ahorro Click tanto en oficinas como vía online.

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La forma jurídica de Caja Laboral Popular Coop De Credito es Sociedad cooperativa de crédito. Puedes abrir una cuenta en Laboral Kutxa de dos maneras: vía online o en sus oficinas.

Aquí te presento una tabla con las cuentas de Laboral Kutxa y las vías de contratación disponibles para cada una:

Laboral Kutxa has a variety of accounts for young people.

The Cuenta Joven, also known as Cuenta Go!, is a great option for those under 30. It's free to maintain and allows for free online transfers.

You can open this account in person or online, and it's a great way to manage your finances.

To be eligible, you must be under 30 and have Bizum activated.

One of the benefits of this account is that it doesn't charge a maintenance fee.

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Pedro Azpiazu, el consejero de Economía y Hacienda, ha afirmado que en Euskadi hay entidades bancarias perfectamente solventes.

En efecto, Caja Laboral e Ipar Kutxa, una de las entidades financieras más importantes de la región, tiene una gran cantidad de sucursales repartidas por todo el país. Según sus datos, en el País Vasco y Navarra, tienen 257 sucursales, de las cuales 93 están en Vizcaya, 79 en Guipúzcoa, 48 en Navarra y 37 en Álava.

Aquí tienes una lista de las sucursales de Caja Laboral e Ipar Kutxa en el resto de España:

A pesar de la situación actual en el sector bancario, Azpiazu no ve razones para preocuparse.

Caja Laboral was involved in a scandalous period between 2000 and 2013, where they sold Aportaciones Financieras Subordinadas issued by Eroski and Fagor, which had a subordinated debt rating.

They weren't the biggest sellers of these products, but they still sold a significant portion, accounting for a third of Eroski's and a fifth of Fagor's.

A court ruling in 2013 found that Caja Laboral provided clients with biased and false information, omitting crucial details about the titles' perpetual duration and lack of expiration date.

From 2007 onwards, all Caja Laboral clients who bought financial products were required to take a suitability test.

It's estimated that around 35,000 people were affected by this issue, although the association of affected parties claims to have about 1,000 members, with 316 of them having filed a formal complaint with the Vasco Institute of Consumption, Kontsumobide.

Caja Laboral e Ipar Kutxa culminan su proceso de integración formalizada mediante escritura pública.

The two entities have given the green light to their integration through assemblies, with the social headquarters to be located in Mondragón.

Caja Laboral e Ipar Kutxa ratifican hoy la fusión de las dos entidades, con la nueva entidad teniendo su sede social en Mondragón.

The resulting group will manage over 25,000 million euros in assets, according to Txomin García, the president, who also mentions that it's unnecessary but "establishes" the entity's solvency.

Caja Laboral offers a range of services and offers to its customers. One notable service is the Cuenta Multiseguros de Laboral Kutxa, which allows you to group your insurance policy receipts into one account.

This account has a strong point in that it doesn't charge any commissions, neither for opening nor for maintaining the account.

Calidad is a key aspect of Mondragón's services and offers. They've been focusing on quality management since the 1990s, with the first autoevaluation taking place in 1995.

Their commitment to quality is evident in the creation of a Comité de Calidad and a Dirección de Calidad in 1994. This team is responsible for overseeing quality management within the organization.

By 1998, Mondragón had achieved ISO 9001 certification for their Banca Electrónica service, and by 1999, their Telebanka service had achieved ISO 9002 certification.

Quality management is not just about certifications, though. Mondragón has also identified and documented best practices in commercial activities, which were first identified in 1996.

Here are some of the notable achievements in quality management at Mondragón:

By focusing on quality management, Mondragón aims to differentiate itself from competitors and provide excellent services to its clients.

If you're looking to save money for a specific goal, Laboral Kutxa's Cuenta Ahorro Click is a great option. You can define the amount you want to save and the timeframe, making it easy to plan your savings.

This account is 100% online, so you can manage it from anywhere. You must be over 18 to open it, and it doesn't come with a credit card.

The Cuenta Vivienda is designed for those saving for a home. It earns up to 1.18% TAE, but you can't use it to pay bills or receive direct deposits.

If you use the saved capital to buy a home, you might be eligible for tax benefits in the Basque Country.

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Multiseguros can be a great way to simplify your insurance payments. The Cuenta Multiseguros de Laboral Kutxa allows you to group your insurance receipts into one account.

This account has a unique feature that lets you pay premiums from specific insurance companies. You can only pay premiums from Lagun Aro, Previsión Mallorquina, Sanitas, Expertia, Europ Assistance, Mutua de Propietarios, Generali, Hiscox, or Telefónica.

One of the strongest points of this account is that it doesn't charge any commissions for opening or maintaining the account. This can save you money in the long run.

You can also break down all your payments into one monthly installment, which can be a big help with budgeting.

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The Pago Básica account from Laboral Kutxa is a straightforward current account in euros that can have one or more holders, and it doesn't require you to sign up for other products. It doesn't allow overdrafts or chequebook support.

You can deposit cash in euros, withdraw cash in euros from Laboral Kutxa offices or ATMs in Spain and the EU, and make payments using a debit card. You can also make euro payments within the EU.

The Pago Básica account has a quarterly maintenance fee of 9€, which adds up to 36€ per year. This fee includes a credit card and up to 120 euro payments within the EU per year.

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Caja Laboral Popular Coop De Credito has a total of 38 marcas.

The company has a wide range of brands, including Super Bat Kontua, Plan Bat, and Cuenta Super Bat.

Aurrez Klik & is another brand under the company's umbrella.

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Ilusio Kreditua-laboral Kutxa and Credito Ilusion-laboral Kutxa are also notable brands.

Laboral Kutxa Aktiba and Caja Laboral Max Kontua/cuenta are also some of the company's many brands.

Ipar Kutxa is another brand that Caja Laboral Popular Coop De Credito owns.

The company has a total of 38 marcas, as mentioned earlier.

The company has used several denominaciones comerciales, including Caja Laboral, Caja Laboral Euskadiko Kutxa, and Caja Laboral Popular.

Coop. De Crédito and Laboral Kutxa are other denominaciones comerciales used by the company.

Caja Rural Vasca-baserritarren Kutxa is another denominación comercial used by the company.

The company has also used several rótulos, including Euskadiko Kutxa and Caja Laboral Ipar Kutxa.

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If you're interested in opening a new account with Laboral Kutxa, you're in luck because it's a relatively straightforward process. You can choose between opening a new account online or in person at one of their offices.

To open an account online, you can simply fill out a form on their website, and an agent will contact you by phone or email to complete the necessary steps. This is a convenient option if you're short on time or prefer to do things digitally.

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If you prefer to speak with an expert in person, you can visit any of their office locations to receive personalized attention. In fact, some accounts, such as the Cuenta Ahorro Click, can be opened online or in person, giving you the flexibility to choose what works best for you.

Here are the different ways to open a Laboral Kutxa account, depending on the type of account you're interested in:

As you can see, some accounts, like the Cuenta Ahorro Click, can be opened online or in person, while others, like the Cuenta Vivienda, require a visit to an office. Be sure to check the specific requirements for the account you're interested in to ensure a smooth process.

Canceling a Laboral Kutxa account requires a visit to one of their offices to request it. You should also withdraw or transfer the capital before canceling to avoid any issues.

To cancel a Laboral Kutxa account, you need to go to one of their offices in person. This is the only way to officially close your account.

Laboral Kutxa clients can also withdraw or transfer their capital before canceling their account to avoid any problems. This is a good idea to do beforehand.

If you're a Laboral Kutxa client, you might want to consider visiting their office to cancel your account in person. It's the best way to ensure everything is taken care of correctly.

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