Variety is the spice of life for La Caixa

Spanish bank La Caixa has responded to the rising deposit rates offered by some of its counterparts by structuring deposit-based products and selling volatility to deliver higher returns. Clare Dickinson talks to Juan Ignacio Trujillano Goya, the bank’s Barcelona-based head of structured products

Juan Ignacio Trujillano Goya
Juan Ignacio Trujillano Goya, La Caixa

The deposit war in Spain has been one of the main challenges faced by the country's structured products market during the past couple of years. As banks have fought to offer the highest deposit rates, structured products houses have struggled to keep up.

La Caixa has managed to keep a stronghold in the market with its successful mixed products, however. The products combine guaranteed payments with capital-at-risk elements to offer potentially higher returns.

So far, all the bank's products have

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