About us
Our essence
We offer an international private banking service that is characterised by personalised attention, return and management with the utmost rigour and professionalism.
We meet the expectations of our clients with boutique services and the backing of our experience and knowledge of the international financial market and the local environment.
Our clients are unique, and so is our service. By combining the resources and capabilities of a large company with an international presence, we are able to move towards to the ideal of a flexible, creative and individualised service.
We establish a relationship of trust and shared interests and benefits with our clients, co-creating solutions together.
High quality comprehensive investment services for:
Family Office
Individual investors
Foundations and institutions
Institutional investors and collaboration agreements
Our history
This follows the company’s commitment to digital transformation and innovation to improve excellence in customer service and specialisation in products and services that enhance differentiation and added value, while maintaining efficiency in processes and with the client always at the core of the activity.
Banco Alcalá Group was founded in Madrid in 1989 and it has been focused on managing family wealth since the very beginning. The Group is currently formed of Banco Alcalá, SA and Gesalcalá, SGIIC, SAU.
Crèdit Andorrà unifies the brand internationally under the name Creand, with Banco Alcalá adopting the trade name Creand Wealth Management.
Crèdit Andorrà, the leading financial institution in Andorra, acquires 85% of Banco Alcalá.
Banco Alcalá sells Banco Granada-Jerez to La Caixa.
Banco Alcalá merges Banco de Granada and Banco de Jerez to create Banco Granada-Jerez.
Banco Alcalá acquires 6.1% of Banco de Crédito Balear.
The Argüelles family, with experience in the banking sector spanning almost a century, founds Banco Alcalá.
The robustness of a large group
Local advice with a global vision and the robustness of a large financial group.
Banco Alcalá forms part of the international Crèdit Andorrà Financial Group, founded in 1949, a benchmark in the international financial system and a market leader in Andorra. This country has grown and prospered thanks to a favourable legal framework and a stable financial system, which has adopted the
financial standards issued by the Financial Action Task Force (FATF) and the Markets in Financial Instruments Directive (MiFID) on money laundering prevention and commercial practices.
With over 65 years of experience in private banking, Crèdit Andorrà Group has a presence in Europe (Andorra, Spain and Luxembourg) and in America (Miami, Mexico, Panama and Chile).
Awards received by Crèdit Andorrà Group




Customer service team
Personalised and rigorous work.
- Team of private bankers
- External Networks team for development of business with agents, IFAs, stock agencies and CII management companies (SGIICs)
- Team specialising in institutional clients and family office
- Team specialising in investments and financial advisory
- Team specialising in financial and fiscal planning
A committed banking model

Committed to the future
Crèdit Andorrà Group is a signatory to the Global Compact and the UNEP FI, and it incorporates the Sustainable Development Goals (SDGs) into its CSR strategy.

Committed to ethics and transparency
Corporate governance is one of the cornerstones of the Group’s strategy, which we are constantly reinforcing in line with international best practices.

Committed to people
A large team of professionals, with a presence in the main financial centres in Spain, Europe and America.

Committed to the environment
Protecting and caring for the environment is an integral part of our Group’s concern for the well-being of future generations

Committed to knowledge
We believe that the generation of value goes beyond business to contribute to the generation of wealth for society as a whole.

Committed to culture
The Crèdit Andorrà Art Collection, created in 1989, includes a remarkable collection of Catalan paintings from the 19th to the 20th century and domestic Catalan clocks from the 18th century.
Corporate information
The functions of the Appointments and Remuneration Committee are detailed in Banco Alcalá’s Policy on Organisation, Responsibilities and Functions.
The appointments of members of the Board of Directors and Managing Directors or similar roles have been made on the basis of a favourable report from the Appointments and Remuneration Committee.
Head of the Risk Management and Control Unit of Banco Alcalá, S.A.:
Raúl CANTO LUNA
Proper risk management is essential to the credit institution business, and the Banco Alcalá Board of Directors is firmly committed to establishing industry best practices and standards throughout the Banco Alcalá Group. The Risk Management System is formed of the following elements:
- Risk Appetite Framework
- General risk management principles and internal control framework
- Structure of Governance and Organisation
- Structure of Governance and Organisation
The risk management policy focuses on the mitigation or prudent assumption of risks —as appropriate— in each of the risk typologies within a conservative framework, as defined in the Bank’s Risk Management Policy, approved by the Board of Directors of Banco Alcalá, S.A. on 25 April 2017.
In accordance with applicable regulations, the Identified Group will consist of directors, senior managers or staff whose professional activities have a material impact on an institution’s risk profile, including at least those who meet the criteria set out in Articles 2, 3 and 4 of Commission Delegated Regulation (EU) No 604/2014.
In order to establish a suitable balance between remuneration and the assumption of risk, an internal procedure is periodically carried out to identify the group that has a material impact on the institution’s risk profile. On an annual basis, the Banco Alcalá Board of Directors approves a remuneration policy which, with regard to the categories of staff under employment, includes among others:
-The categories of staff whose professional activities have a material impact on the institution’s risk profile.
-The measures envisaged to adjust remuneration in the case of underperformance.
-Criteria used in determining remuneration to take into account present and future risks.
-Aggregated quantitative information on remuneration, distinguishing between investment banking, commercial banking, asset management area and others.
The Banco Alcalá General Meeting has not approved variable remuneration above 100% of the fixed remuneration for any member of the Identified Group.
The General Shareholders’ Meeting of Banco Alcalá, S.A., in its meeting held on 28 June 2018, adopted the following agreements, among others:
-To approve the Banco Alcalá Group Remuneration Policy for the financial years 2018, 2019 and 2020, solely and exclusively with respect to the part affecting the Directors of Banco Alcalá, S.A. (Points 5.1 and 7.3 thereof).
-To set the remuneration amount for the Board of Directors for the 2018 financial year at €200,000.
These agreements were adopted unanimously by the shareholders of Banco Alcalá, S.A. attending the aforementioned meeting (2 shareholders representing 94.9999% of the subscribed share capital with voting rights).
The Board of Directors of Banco Alcalá, S.A. is responsible for distributing among its members the remuneration set by the General Shareholders’ Meeting. Accordingly, at its meeting held on 13 July 2018, the Board of Directors of Banco Alcalá, S.A. agreed to distribute the stated remuneration amount (with the legally applicable withholding) among the Directors, based on the following criteria:
– Directors shall be paid €3,000 gross for their attendance at each Board meeting;
– The Chairs of the Committees of the Board of Directors shall be paid €6,000 gross for their attendance at each Committee meeting they chair; and
– The other members of the Committees of the Board of Directors shall be paid €4,000 gross for their attendance at each meeting of the Committees to which they belong.
Said remuneration shall only be received by those Directors who do not receive remuneration for being executives/employees of any of the companies comprising the Banco Alcalá Group or its parent company, Crèdit Andorrà, S.A. In this regard, the total remuneration of the members of the Board of Directors of Banco Alcalá, S.A. in the 2020 financial year (with an individualised breakdown of remuneration items) is as follows:
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