In Spain, an institutional protection system (IPS; Spanish: sistema institucional de protección, SIP) is a grouping of financial institutions (banks and savings banks) in which solvency risks and profits are shared between members while each member retains its separate legal identity. IPSs were introduced in 2010 to allow savings banks (cajas de ahorro) to group together for solvency purposes without formally merging. A similar system is used in France by Groupe BPCE (and formerly by Groupe Banque Populaire and Groupe Caisse d'Épargne, the predecessors of Groupe BPCE).
List
| Name | Type | Total risk-weighted assets |
Total regulatory capital |
Tier 1 capital |
FROB capital |
Notes |
|---|---|---|---|---|---|---|
| Grupo Santander | Bank | 562,616 | 80,720 | 56,005 | ||
| Grupo BBVA | Bank | 290,062 | 39,440 | 27,255 | ||
| Júpiter | Caja (IPS) | 223,066 | 25,292 | 19,244 | 4,465 | |
| La Caixa | Caja | 162,979 | 19,131 | 16,800 | ||
| Banco Popular | Bank | 92,571 | 8,891 | 8,457 | ||
| Base | Caja (IPS) | 86,534 | 10,896 | 8,087 | 1,493 | |
| Breogán | Caja | 58,516 | 7,132 | 5,035 | 1,162 | |
| Banco Sabadell | Bank | 57,958 | 6,151 | 5,211 | ||
| Diada | Caja | 52,861 | 5,362 | 3,470 | 1,250 | |
| Mare Nostrum | Caja (IPS) | 45,858 | 6,213 | 4,129 | 916 | |
| Bankinter | Bank | 30,659 | 3,171 | 2,291 | ||
| Banca Cívica | Caja (IPS) | 30,055 | 3,981 | 2,900 | ||
| Espiga | Caja | 28,881 | 3,932 | 2,475 | 525 | |
| Ibercaja | Caja | 25,291 | 3,437 | 2,369 | ||
| Unicaja | Caja | 21,909 | 3,219 | 2,584 | ||
| Cajasol | Caja | 21,237 | 2,967 | 2,197 | ||
| Unnim | Caja | 19,703 | 2,421 | 1,426 | 380 | |
| BBK | Caja | 19,202 | 4,262 | 2,812 | ||
| Banco Pastor | Bank | 18,713 | 2,333 | 1,974 | ||
| Kutxa | Caja | 16,100 | 2,331 | 2,099 | ||
| Caja3 | Caja (IPS) | 14,994 | 2,108 | 1,414 | ||
| Cajasur | Caja | 12,094 | 444 | 222 | 800 | |
| Banca March | Bank | 9,488 | 1,866 | 1,866 | ||
| Banco Guipuzcoano | Bank | 7,813 | 981 | 709 | ||
| Caja Vital Kutxa | Caja | 6,692 | 862 | 755 | ||
| Caja Ontinyent | Caja | 688 | 85 | 61 | ||
| Colonya | Caja | 183 | 26 | 18 |
Notes
- ^ Caja Madrid, Bancaja (including Banco de Valencia), Caixa Laietana, Caja Insular de Canarias, Caja Ávila, Caja Segovia, Caja Rioja.
- ^ Including Caixa Girona.
- ^ CAM, Cajastur (including Caja Castilla-La Mancha), Caja Cantabria, Caja Extremadura.
- ^ Caixanova (including Banco Gallego), Caja Galicia.
- ^ Banco Sabadell is in the process of merging with Banco Guipuzcoano, without FROB support.
- ^ Caixa Catalunya, Caixa Tarragona, Caixa Manresa.
- ^ Caja Murcia, Caixa Penedès, Sa Nostra, Caja Granada.
- ^ Caja Navarra, Caja Burgos, Caja General de Canarias.
- ^ Caja Duero, Caja España.
- ^ Including Caja Jaén.
- ^ Including Caja Guadalajara.
- ^ Caixa Sabadell, Caixa Terrassa, Caixa Manlleu.
- ^ Caja Círculo, Caja Badajoz, Caja Inmaculada.
- ^ Cajasur is to be merged with BBK.