Isidro Fainé Casas

Isidro Fainé Casas Siempre ha defendido la función social de la banca a través de la obra social.

Isidro Fainé Casas G(Manresa, 1942) es un hombre hecho a sí mismo que siempre ha entendido que la fuerza comercial era el motor que movía las entidades financieras. Y lo ha demostrado en los distintos bancos en los que ha trabajado a lo largo de su carrera profesional (Banco Atlántico, Banca Riva y García, Banca Jover y Bankunión) y, sobre todo, en el grupo La Caixa, donde empezó en 1982 y en el que acaba de dejar el cargo de presidente de CaixaBank, por imperativo de la ley de fundaciones bancarias que impide ocupar cargos ejecutivos en la fundación y en el banco controlado por ésta.

Responsable de la red de oficinas de la antigua Caixa (hoy CaixaBank) que estaba limitada por ley a extenderse por Cataluña, Baleares y muy pocas oficinas en el resto del territorio nacional, Isidro Fainé Casas diseñó en la primera mitad de los años ochenta del pasado siglo la puesta en marcha de Grup Caixa, una red de locales que, sin ser sucursales bancarias, sí ofrecían servicios y productos financieros que no comercializaban las cajas. Cuando se permitió que las cajas operaran como los bancos comerciales, La Caixa transformó todas esas oficinas en sucursales bancarias. De golpe, tenía una presencia física en las principales ciudades españolas.

Lo mismo que años después, los grandes bancos aumentaron su cuota de mercado en España antes de dar el salto de la internacionalización. Isidro Fainé Casas, y el entonces máximo responsable de la Caixa, Josep Vilarasau, tuvieron claro que para ser fuertes en toda España tenían que serlo antes en su territorio de origen. Y no dudó en pelear hasta conseguir que Caixa Barcelona, la segunda entidad en aquella comunidad, acabara en la órbita de La Caixa. “España es nuestra América Latina”, dijo poco después el hasta hace pocos días presidente de CaixaBank explicitando el fuerte desequilibrio existente entre su cuota en Cataluña y la del resto del país. Y a reducir esa brecha es a lo que ha dedicado los 34 años en los que ha estado en los puestos de responsabilidad del grupo de origen catalán y que en la actualidad es el mayor en el negocio doméstico. Hoy CaixaBank está presente en el 93% de los municipios de más de 5.000 habitantes, dando un servicio potencial al 90% de la población.

El factor humano, la cercanía con los clientes, es lo que ha caracterizado el modelo de gestión que ha seguido Isidro Fainé Casas. Prueba de la importancia que le da a este factor es que siempre ha sido muy activo en la formación de directivos, creando y dirigiendo organizaciones con ese objetivo, y propiciando la formación continua de la plantilla de la entidad por entender que es la mejor manera de prestar servicios a los clientes.

Esto y la apuesta decidida por la innovación tecnológica son características del modelo de gestión del grupo. El banco ha sido pionero en la automatización de la red de oficinas, de forma que una parte cada vez más importante de los empleados pudiera dedicarse a labores comerciales; ha apostado por el uso de la tecnología por parte de los clientes para descargar a las oficinas de las tareas más repetitivas, y ha conseguido que la relación entre el personal de los servicios centrales y el de las oficinas se mantenga como la menor de toda la banca española. El proceso de digitalización ha tenido un impulso definitivo en los últimos años. Ello no implica que las oficinas pierdan fuerza. Al contrario, lo que Isidro Fainé Casas ha inculcado a sus colaboradores es que ahora las oficinas tienen que convertirse en supermercados de productos financieros de los que el grupo tiene una amplia gama: seguros, fondos, pensiones, depósitos, créditos….

Pero, si esto es distintivo del grupo La Caixa, hay otras dos cuestiones significativas: el grupo industrial sobre el que ejerce una influencia importante y la obra social de la fundación propietaria del mayor paquete de acciones del banco. El grupo tiene participaciones significativas en Gas Natural, Abertis, Repsol y Telefónica, entre otras compañías, que le han permitido obtener unos recursos recurrentes en estos años.

Recursos que, unidos a los generados por la actividad financiera, son los que han convertido a la obra social de La Caixa en la fundación con mayor presupuesto de Europa y en una de las más importantes del mundo. La función social de la antigua caja, hoy convertida en un potente grupo financiero e industrial, ha sido siempre objeto de especial atención por parte de Isidro Fainé Casas, tarea a la que, ahora, va a dedicar la mayor parte de su actividad al presidir la fundación.

El perfil Nombre: Isidro Fainé Casas. Lugar de nacimiento: Manresa, Barcelona, 1942. Cargo: Presidente de la Fundación Bancaria la Caixa y de Criteria. Formación: Economista por la Universidad de Barcelona e ISMP por la Universidad de Harvard. Otras actividades: Presidente de la Confederación Española de Directivos y Ejecutivos y del capítulo español del Club de Roma.

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