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Socially aware products
Caja Madrid lends special attention to selected segments (children, young people, seniors, Personal Banking clients, foreign nationals, liberal professionals, new entrepreneurs and small businesses), which it offers better-than-market conditions and services with a clear value-added.
- Our youngest public: “Mi cuenta y Yo” for the under sixes, without charges or commissions. The child can keep this account up to the age limit and then switch it over to a “Cuentas Tú”. The “Cuentas Tú” savings book offers youngsters from six to eighteen some useful financial advantages – zero commissions and a special interest rate to reward their first steps in saving. Holders also have the right to free education insurance.
Youth: Caja Madrid's youth portal was again the most visited financial site of its kind in 2007. This segment has its own dedicated products, like Depósito Vivienda CMCool (voted “Best Financial Sector Idea of 2006” by financial magazine Actualidad Económica), and the CMCool card, which is free for customers aged 18 to 25. CMcool.es also has a new members’ section, Lo+COOL, offering registered users exclusive discounts and offers, a software download site for PCs and mobiles, promotions and competitions.
One noteworthy initiative was the Slogan Competition run in 2007, in order to capture customer interest and urge them to participate in the drafting of the Corporate Social Responsibility Report. In all, 345 entries were received from a total of 127 participants.
- Seniors:The over sixties have their own specialist range including accounts, loans, pension service, telephone helpline etc., so they can get on with enjoying life. The seniors subhome www.cajamadrid.es
was redesigned in 2007. Users now have access to the whole range of segment-specific products, plus a listing of Obra Social and Fundación Caja Madrid’s activities for the elderly and Descuentos Desafío, a channel publicising the discounts and exclusives available to Caja Madrid’s most senior customers.
- Foreign nationals: The product and services offering for this collective was enlarged and strengthened in 2007. New channels were brought on stream, while new destination countries were added to the remittance service, the most popular among segment customers. Foreign nationals can also apply for a new loan scheme to finance home purchases in their country of origin. This solution, a first of its kind in Spain, can be arranged as a personal or mortgage loan. Caja Madrid also took part in events of interest like the first INTEGRA fair, where it acted as official sponsor, and concluded an agreement with Avalmadrid to offer advantageous loans to immigrants working as self-employed.
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Liberal professionals: Caja Madrid offers a number of segment-specific products like the Cuenta Profesional and Credit Profesional. These are joined by the Business Simplifica card and a series of services like the monthly Integrated Statement and a wide choice of channels to help them in their day-to-day management, including the Internet Branch for Business.
Rounding off the package is a complete Personal Banking service, including a personal advisor at their branch who will provide them with investment advice appropriate to their profile.
- Entrepreneurs: The aim is to make borrowing as easy as possible for new-start companies. To this end, a range of supporting products is available under preferential conditions, including dedicated cards and insurance policies. Caja Madrid also runs agreements with mutual guarantee societies and business schools to make finance available under especially advantageous conditions.
- Universities: Caja Madrid has a line of loans, with easy repayment terms, for the completion of master's and postgraduate courses, payment of university matriculation fees or as advances on grants. Low-interest loans are also available to teaching, administrative and supply staff at public universities in the Madrid Region.