Joan Cavallé is the CEO of Caja de Ingenieros, a credit union in which the partners are both the owners and clients of the company. In this interview with Carme Miró, CEO of apple tree, he explains how this financial entity is experiencing a second wave of consolidation, following the one experienced in 2010 resulting from the economic crisis. In addition, during this consolidation process they are seeing an increasing  awareness and a very significant growth in socially responsible investment.