CaixaBank - Covered Bonds Investors presentation. Data as of 31 st December
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1 CaixaBank - Covered Bonds Investors presentation Data as of 31 st December February 2014
2 Mortgage Covered Bond Programme CaixaBank Covered Bonds Programmes - Main figures Dec 13 Covered Bonds MORTGAGE COVER POOL Cover Pool Size (mill ) 31/12/ ,046 Residential Assets 98,094 72% Comercial Assets 38,952 28% Elegible Pool (mill ) 77,742 Number of loans 1,473,678 Average loan Balance ( ) 92,996 WA Seasoning (years) 6.7 yrs WA Remaining Term (years) 19.3 yrs WA LTV 56.8% WA LTV Elegible Pool 49.0% MORTGAGE COVER BONDS 31/12/2013 Outstanding nominal (mill ) 61,308 OC (total) 224% OC (legal - eligible portfolio) 127% Issuing Capacity 885 Average Maturity (years) 5.99 RATINGS Moody's S&P A3 AA- Spanish Public Sector Covered Bond Programme PUBLIC SECTOR COVER POOL 31/12/2013 PUBLIC SECTOR COVER BONDS 31/12/2013 Cover Pool Size (mill ) 11,739 Outstanding nominal (mill ) 7,000 OC 168% Number of loans 6,596 Issuing Capacity 1,218 Average loan Balance ( ) 1,779,780 Average Maturity (years) 2.3 WA Seasoning (years) 3.6 yrs WA Remaining Term (years) 6.6 yrs RATINGS Moody's A3 Issuing capacity & Collateral type Remaining Issuing Capacity 2,103 Bn Collateral by Type Mortgages CB; 885 Public Sector CB; 1,218 66% 26% 8% Residential Commercial Public Sector 2
3 CaixaBank Mortgage Covered Bond Programme Dec 13 Covered Bonds Remaining Issuing Capacity Mortgages Mortgages Public Sector Total Collateral for Covered Bonds 137,046 Elligible Portfolio 77,742 Total Collateral for Covered Bonds 145,758 11,659 Elligible Portfolio 101,130 11,659 Cédulas Hipotecarias Cédulas Hipotecarias Cédulas Territoriales Used Collateral 76,635 Used Covered Collateral Bond Issued Amount 99,199 61,308 9,571 Covered Bond Issued Amount Over Collaterization 79, % 6,700 Over Collaterization (**) 184% 174% Available Collateral Available Collateral 1,932 1,107 2,087 REMAINING ISSUING REMAINING CAPACITY ISSUING (*) CAPACITY 1,545 (*) 1, Mn In Billion Total Collateral (Mortgages+Public Sector) Elegible vs nonelegible Max. CB Issuance Outstanding CBs 113 bn 157 bn E 89,1 Lbn I 77.7 G 86,1 bn I B L E 3,006 Available Issuing Capacity x 80% 44 bn REMAINING ISSUING CAPACITY: 0.9 Bn 0.9 I 3 bn s Remaining 62.2 s 61.3 Issuing Capacity u e d (*) Issuing Capacity= 80% of Collateral Available for C. Hipotecarias and 70% for C. Territoriales (**) Data Due to in million the early amortisation of 3 Bn of retained cedulas on April 15th, OC ratio is currently higher Data in Million Maturity Profile Total Collateral Eligible vs non-eligible Max. CB Issuance Outstanding CBs vs Remaining Issuing Capacity 8,000 7,000 6, , ,372 Total Covered Bonds -> 61,308 Bn Public -> 37,826 Bn Retained -> 23,482 Bn 5,000 4,000 3,000 7,407 5,703 6, ,999 4,026 2,010 1, ,063 2,900 1,264 3,000 2,800 1,900 2,000 2,144 2,874 1,050 1, , , Public Issues Retained Issues
4 CaixaBank Mortgage Covered Bond Programme Dec 13 OC Evolution Decision of generating additional collateral for the ECB credit facility to anticipate any potential deterioration in markets Banca Cívica integration Covered Bonds Amortization OC Legal 127% Q4 2013: Collateral management Retained Covered Bonds amortization Market enviroment improvement has reduced the need of liquidity buffers Adding value to investors TOTAL OC: improves to 224% ENCUMBRANCE: improves 4
5 CaixaBank Mortgage Covered Bond Programme Dec 13 Covered Bonds RESIDENTIAL ASSETS Cover Pool Description Main figures Total Mortgage Loans (ex securitization) ( k) 98,094,030 Number of loans 1,265,131 Average Loan balance ( ) 77,537 Number of Borrowers 1,079,077 Number of properties 1,430,819 WA Seasoning in months yrs WA Remaining term in months yrs Expected WA life of the portfolio in years 12.0 yrs WA LTV (%) 56.7% First Rank 94% Floating Rate loan Interest Rate type: 99.4% WA Interest Rate (Floating Rate loans) 2.19% WA Interest Rate (Fixed Rate loans) 5.10% Portfolio Breakdown LTV Ranges Distributions Total Loan Balance (ex sec) k 0-40% 19,933,082 20% >40%- 50% 13,576,424 14% >50%- 60% 17,965,688 18% >60%- 70% 21,936,600 22% >70%- 80% 15,348,369 16% >80%- 85% 3,420,333 3% >85%- 90% 2,771,370 3% >90%- 95% 1,659,771 2% >95%- 100% 651,608 1% >100%- 105% 250,038 0% >105% 580,747 1% 98,094,030 % 25% 20% 15% 10% 5% 0% 90% of the loans with LTV < 80% 22% 20% 18% 16% 14% 3% 3% Seasoning 2% 1% 0% 1% 90% of the pool with LTV <80% Seasoning (months) k % < 12 2% < 12 2,141,140 2% 12-<24 4% 12-<24 3,985,073 4% 24-<36 5,491,315 6% 36-<60 14,028,324 14% 60 72,448,178 74% Total: 98,094, <36 36-< % 14% 74% 5
6 RESIDENTIAL ASSETS CaixaBank Mortgage Covered Bond Programme Dec 13 Covered Bonds Property type k % First Home 87,822,493 90% Second Home 8,056,939 8% Not Owner occupied 1,202,126 1% Other 1,012,472 1% Total: 98,094,030 Loan Purpose k % Adquisition 62,083,543 63% Re-mortgage 18,490,759 19% Equity release 4,456,165 5% Rehabilitation 6,052,690 6% New construction 4,423,808 5% Other 2,587,065 3% Total: 98,094,030 Regional Distribution k % Catalonia 27,755,576 28% Andalusia 17,170,250 18% Madrid 12,677,434 13% Valencia 7,592,141 8% Canary Islands 6,361,351 6% Balearic Islands 3,780,476 4% Castile León 3,698,109 4% Castile La Mancha 3,140,834 3% Navarra 3,139,989 3% Basque Country 2,669,039 3% Murcia 2,558,802 3% Galicia 2,034,359 2% Aragon 1,639,560 2% Cantabria 880,422 1% Extremadura 848,231 1% Others/ No info 779,846 1% Asturias 777,174 1% La Rioja 498,795 1% Ceuta 73,073 0% Melilla 18,570 0% Total: 98,094, % 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 70% 60% 50% 40% 30% 20% 10% 0% 90% 8% First Home Second Home Not Owner occupied 63% 19% 1% 1% First home loans represent 90% of the residential pool Other 5% 6% 5% 3% Adquisition Re-mortgage Equity release Rehabilitation New construction Other Acquisitions have led to a more diversified regional distribution of the assets 6
7 CaixaBank Mortgage Covered Bond Programme Dec 13 Covered Bonds COMMERCIAL ASSETS Cover Pool Description Main figures Total Mortgage Loans (ex securitization) ( k) 38,951,922 WA LTV (%) 56.8% Number of loans 208,547 Floating Rate loan Interest Rate type: 96.7% Average Loan balance ( ) 186,778 WA Interest Rate (Floating Rate loans) 2.9% Number of Borrowers 95,900 WA Interest Rate (Fixed Rate loans) 5.2% Number of properties 270,555 WA Seasoning in months yrs WA Remaining term in months yrs Portfolio Breakdown LTV Ranges Distributions Total Loan Balance (ex sec) k % 30% 25% 25% 0-40% 9,929,986 25% >40%- 50% 5,751,382 15% >50%- 60% 6,780,008 17% >60%- 70% 6,609,481 17% >70%- 80% 4,019,553 10% >80%- 85% 1,084,033 3% >85%- 90% 1,159,576 3% >90%- 95% 820,771 2% >95%- 100% 1,105,182 3% >100%- 105% 581,260 1% >105% 1,110,690 3% Total: 38,951,922 20% 15% 10% 5% 0% 35% 30% 15% 17% 17% 10% 3% 3% 2% 29% 3% 1% 3% Property Type k % 25% 26% Offices 1,360,497 3% Commercial stores 5,517,946 14% Industrial 3,545,881 9% Hotel 1,736,538 4% RED: Flats & Houses 11,193,868 29% Land 5,594,126 14% Others 10,003,067 26% Total: 38,951,922 20% 15% 10% 5% 0% 14% 14% 9% 3% 4% Offices Commercial stores Industrial Hotel Flats & Houses Land Others 7
8 COMMERCIAL ASSETS CaixaBank Mortgage Covered Bond Programme Dec 13 Portfolio Breakdown Covered Bonds Loan Maturity (yrs) k % 5 7,417,866 19% >5-10 8,206,109 21% > ,480,862 19% > ,016,543 23% > ,830,441 18% > % Total: 38,951,922 5 >5-10 > % 19% 21% > % Regional Distribution k % Andalusia 7,907,079 20% > % Catalonia 7,769,906 20% Madrid 6,370,052 16% Canary Islands 3,842,600 10% Valencia 2,710,004 7% Castile León 1,441,635 4% Castile La Mancha 1,345,546 3% Balearic Islands 1,334,969 3% Basque Country 1,180,438 3% Navarra 1,080,511 3% Others/ No info 938,787 2% Murcia 813,976 2% Galicia 620,782 2% Aragon 590,894 2% Extremadura 321,441 1% Cantabria 268,065 1% La Rioja 216,034 1% Asturias 175,249 0% Ceuta 16,936 0% Melilla 7,018 0% Total: 38,951, % >50 0% 8
9 CaixaBank Public Sector Covered Bond Programme Dec 13 Remaining Issuing Capacity Mortgages Public Sector Public Sector Total Collateral for Covered Bonds 11,739 Elligible Portfolio 11,739 Total Collateral for Covered Bonds 145,758 11,659 Elligible Portfolio 101,130 11,659 Cédulas Cédulas Territoriales Cédulas Hipotecarias Territoriales Used Collateral 10,000 Used Covered Collateral Bond Issued Amount 99,199 7,000 9,571 Covered Bond Issued Amount Over Collaterization 79, % 6,700 Over Collaterization (**) 184% 174% Available Collateral 1,739 Available Collateral 1,932 2,087 REMAINING ISSUING REMAINING CAPACITY ISSUING (*) CAPACITY 1,545 (*) 1,218 1,461 Mn Total Collateral (Mortgages+Public Sector) Elegible vs nonelegible Max. CB Issuance Outstanding CBs In Billion ,1 bn 86,1 bn 113 bn 157 bn x 70% 3,006 Available Issuing Capacity 44 bn bn Remaining Issuing Capacity REMAINING ISSUING CAPACITY: 1,2 Bn I s s u e d (*) Issuing Capacity= 80% of Collateral Available for C. Hipotecarias and 70% for C. Territoriales (**) Data Due to in million the early amortisation of 3 Bn of retained cedulas on April 15th, OC ratio is currently higher Data in Million Maturity Profile 3,000 2,500 2,000 Total colateral Capacidad emisión máxima Cédulas emitidas Total Covered Bonds -> 7,000 Bn Public -> 350 Bn Retained -> 6,650 Bn 1,500 2,700 1,000 1,500-1, Public Issues Retained Issues 9
10 CaixaBank Public Sector Covered Bond Programme Dec 13 Cover Pool Description Main figures Total Mortgage Loans (ex securitization) ( k) 11,739,429 Floating Rate loan Interest Rate type: 90.6% Number of loans 6,596 WA Interest Rate (Floating Rate loans) 2.01% Average Loan balance ( ) 1,779,780 WA Interest Rate (Fixed Rate loans) 4.18% Number of Borrowers 1,817 Average exposure to borrowers ( ) 6,460,886 WA Remaining term in months yrs WA Seasoning in months (1) yrs Portfolio Breakdown Loan Maturity k % Loan Maturity < 12 1,816,645 15% 12-<24 1,119,930 10% 24-<36 977,051 8% 36-<60 2,027,842 17% 60 5,797,961 49% Total: 11,739,429 < <24 10% 15% 24-<36 8% Loans in Arrears % <2m 0.12% 2m - <6m 0.23% 6m - <12m 1.05% 12m 1.69% 36-< % 49% 10
11 CaixaBank Covered Bonds Programme - Highlights Covered Bonds Best rated Covered Bonds in Spain Moody s Investors Service A3 AA- High quality collateral & strong overcollateralization Low risk profile: mortgage portfolio prudently managed Almost 72% of residential loans, out of which: 90% with LTV < 80% 90% First home loans Solid OC levels Total OC: 224% -> and flexibility to optimize our collateral: 23 bn of retained Covered Bonds Legal OC: 127% Comfortably above the legally required ratio (125%)..Despite following eligibility criteria stricter than legal Remaining Issuing Capacity: 2,1 Bn (mortgage & public sector CB) Always aiming to the best market standards Covered Bond Label Compliant since 1 st January 2013 Transparency: complete quarterly information available in our web page: 11
12 Appendice 1: CaixaBank s Covered Bond Issuances Spanish Mortgages - Pubic Deals Covered Bonds ISIN Currency Issue Date Outstanding ( ) Maturity Date Coupon Investor Type ES EUR 18/03/ ,000,000 31/01/ % Institutional ES EUR 26/05/2009 2,000,000,000 26/05/ % Institutional ES EUR 30/03/ ,000,000 20/06/2014 Eur 3m+0.01% Institutional ES EUR 18/01/2006 2,500,000,000 30/06/ % Institutional ES EUR 13/05/ ,000,000 30/07/ % Institutional ES EUR 18/03/ ,000,000 02/02/ % Institutional ES EUR 18/03/2011 1,250,000,000 18/03/ % Institutional ES EUR 18/08/ ,000,000 30/04/ % Institutional ES EUR 05/10/2005 2,500,000,000 05/10/ % Institutional ES EUR 15/10/ ,000,000 15/10/ % Institutional ES EUR 22/02/2011 2,200,000,000 22/02/ % Institutional ES EUR 31/03/2010 1,000,000,000 31/03/ % Institutional ES EUR 27/04/2011 1,250,000,000 27/04/ % Institutional ES EUR 16/06/ ,000,000 16/06/2016 Eur 3m+0.06% Institutional ES EUR 20/04/ ,646,000 30/06/2016 Eur 3m+0.1% Retail ES EUR 18/09/2006 7,982,000 30/09/2016 Eur 3m+0.1% Retail ES EUR 28/11/ ,000,000 28/11/2016 Eur 3m+0.06% Institutional ES EUR 28/06/2006 2,000,000,000 26/01/ % Institutional ES EUR 14/11/ ,000,000 26/01/ % Institutional ES EUR 16/02/2012 1,000,000,000 16/02/ % Institutional ES EUR 30/03/ ,500,000 20/03/2017 Eur 3m+0.045% Institutional ES EUR 13/07/ ,000,000 20/03/2017 Eur 3m+0.045% Institutional ES EUR 22/01/2007 6,380,000 30/03/2017 Eur 3m +0.00% Retail ES EUR 22/09/ ,000,000 22/09/2017 Eur 3m + 1,50% Institutional ES EUR 09/05/ ,462,000 30/09/2017 Eur 3m+0.1% Retail ES EUR 09/01/2006 1,000,000,000 09/01/2018 Eur 3m+0.075% Institutional 12
13 Appendice 1: CaixaBank s Covered Bond Issuances Spanish Mortgages - Pubic Deals Covered Bonds ISIN Currency Issue Date Outstanding ( ) Maturity Date Coupon Investor Type ES EUR 22/03/2013 2,000,000,000 22/03/ % Institutional ES EUR 02/07/ ,000,000 02/07/2018 Eur 3m+0.439% Institutional ES EUR 31/10/2003 1,000,000,000 31/10/ % Institutional ES EUR 18/12/ ,000,000 18/12/2018 Eur 3m+0.65% Institutional ES EUR 07/05/ ,000,000 07/05/2019 Eur 3m+0.439% Institutional ES EUR 04/06/2007 2,500,000,000 04/06/ % Institutional ES EUR 09/07/ ,000,000 09/07/2020 Eur 3m + 2,20% Institutional ES EUR 18/01/2006 2,500,000,000 18/01/ % Institutional ES EUR 14/05/ ,000,000 14/05/2021 Eur 3m+1% Institutional ES EUR 28/06/2006 1,000,000,000 26/01/ % Institutional ES EUR 17/02/2005 2,500,000,000 17/02/ % Institutional ES EUR 13/06/ ,000,000 13/06/ % Institutional Spanish Mortgages - Retained Deals Covered Bonds ISIN Currency Issue Date Outstanding ( ) Maturity Date Coupon Investor Type ES EUR 25/01/2012 1,000,000,000 25/01/ % Institutional ES EUR 25/01/2012 1,500,000,000 25/01/ % Institutional ES EUR 27/01/2012 1,000,000,000 27/01/ % Institutional ES EUR 26/07/ ,000,000 26/07/2020 Eur 6m+4.70% Institutional ES EUR 07/06/2012 2,000,000,000 07/06/2022 Eur 6m +3.85% Institutional ES EUR 07/06/2012 1,000,000,000 07/06/2023 Eur 6m +3.80% Institutional ES EUR 07/06/2012 2,900,000,000 07/06/2024 Eur 6m +3.80% Institutional ES EUR 07/06/2012 1,000,000,000 07/06/2025 Eur 6m +3.75% Institutional ES EUR 19/06/2012 3,000,000,000 19/06/2026 Eur 6m +3.75% Institutional ES EUR 03/07/2012 1,000,000,000 03/07/2027 Eur 6m+4% Institutional ES EUR 17/07/ ,000,000 17/07/2027 Eur 6m+4.25% Institutional ES EUR 02/08/ ,000,000 02/08/2027 Euribor 3m+3.85% Institutional ES EUR 17/07/2012 2,800,000,000 17/07/2028 Eur 6m+4.25% Institutional 13
14 Appendice 1: CaixaBank s Covered Bond Issuances Registered - Covered Bonds ISIN Currency Issue Date Outstanding ( ) Maturity Date Coupon Investor Type EUR 26/10/ ,000,000 13/06/2014 Eur 3m +0.00% Institutional EUR 07/07/ ,000,000 07/07/2014 Eur 3m +0.00% Institutional EUR 25/10/ ,000,000 25/10/2014 Eur 3m-0.033% Institutional EUR 12/12/ ,000,000 12/12/2016 Eur 3m +0.00% Institutional EUR 01/10/ ,000,000 01/10/ % Institutional Spanish Mortgages - Covered Bonds (non ) ISIN Currency Issue Date Outstanding Maturity Date Coupon Investor Type XS GBP 30/09/ ,000,000 30/09/2015 Libor 1A+0.02% Institutional XS USD 01/11/ ,000,000 02/02/2037 Libor 3m +0.00% Institutional Spanish Public Sector - Covered Bonds ISIN Currency Issue Date Outstanding ( ) Maturity Date Coupon Investor Type ES EUR 20/10/2011 1,500,000,000 20/03/ % Institutional ES EUR 26/04/ ,000,000 26/04/ % Institutional ES EUR 20/10/2011 2,500,000,000 19/06/ % Institutional ES EUR 27/01/ ,000,000 27/01/ % Institutional ES EUR 01/02/ ,000,000 01/02/ % Institutional ES EUR 07/06/2013 1,300,000,000 07/06/ % Institutional ES EUR 24/05/ ,000,000 24/05/ % Institutional ES EUR 24/05/ ,000,000 24/05/ % Institutional 14
15 Appendice 1: CaixaBank s Covered Bond Issuances Spanish Multi-Issuers - Public Covered Bonds Código ISIN Divisa Fecha emisión CaixaBank Contribution ( ) Total Issue Outstanding ( ) Maturity Date Coupon Investor Type ES EUR 05/04/ ,000,000 2,500,000,000 05/04/ % Institutional ES EUR 11/06/ ,000,000 1,475,000,000 11/06/ % Institutional ES EUR 24/07/ ,000,000 1,450,000,000 27/07/ % Institutional ES EUR 10/09/ ,000, ,000,000 10/09/2014 Eur 12m+0.12% Institutional ES EUR 16/11/ ,341,463 3,000,000,000 16/11/ % Institutional ES EUR 19/11/ ,000,000 1,060,000,000 19/11/ % Institutional ES EUR 20/02/ ,000, ,000,000 20/02/ % Institutional ES EUR 11/03/ ,000,000 2,075,000,000 11/03/ % Institutional ES EUR 15/03/ ,041,666 3,500,000,000 15/03/ % Institutional ES EUR 28/06/ ,794,872 1,900,000,000 28/06/2015 Eur 3m % Institutional ES EUR 04/12/ ,000, ,000,000 04/12/2015 Eur 3m % Institutional ES EUR 25/02/ ,000,000 2,000,000,000 01/03/ % Institutional ES EUR 12/12/ ,888,888 3,600,000,000 12/03/ % Institutional ES EUR 22/03/ ,000,000 3,600,000,000 12/03/ % Institutional ES EUR 29/05/ ,000,000 1,585,000,000 08/04/2016 Eur 3m +0.06% Institutional ES EUR 13/06/ ,000,000 2,295,000,000 13/06/ % Institutional ES EUR 18/12/ ,000,000 2,575,000,000 16/12/ % Institutional ES EUR 19/03/ ,000,000 2,000,000,000 17/03/ % Institutional ES EUR 26/05/ ,000,000 1,000,000,000 24/05/2017 Eur 3m+0.086% Institutional ES EUR 15/06/ ,000,000 2,000,000,000 20/06/ % Institutional ES EUR 20/02/ ,000,000 1,195,000,000 20/02/2018 Eur 3m % Institutional ES EUR 12/06/ ,000,000 2,230,000,000 12/06/ % Institutional ES EUR 23/10/ ,000,000 1,150,000,000 19/10/ % Institutional ES EUR 02/12/ ,322,580 2,100,000,000 02/12/ % Institutional ES EUR 16/11/ ,658,537 1,100,000,000 16/11/ % Institutional ES EUR 15/03/ ,958,334 1,500,000,000 15/03/ % Institutional ES EUR 13/06/ ,000,000 1,250,000,000 13/06/ % Institutional ES EUR 22/03/ ,000,000 1,500,000,000 22/03/ % Institutional ES EUR 29/03/ ,000,000 1,250,000,000 29/03/ % Institutional ES EUR 25/05/ ,000,000 2,310,000,000 10/04/ % Institutional ES EUR 16/02/ ,000,000 1,300,000,000 21/02/ % Institutional 15
16 Appendice 1: CaixaBank s Covered Bond Issuances Spanish Multi-Issuers - Public Covered Bonds Código ISIN Divisa Fecha emisión CaixaBank Contribution ( ) Total Issue Outstanding ( ) Maturity Date Coupon Investor Type ES EUR 12/12/ ,222,224 1,400,000,000 12/12/ % Institutional ES EUR 23/10/ ,000,000 1,600,000,000 23/10/ % Institutional ES EUR 28/06/ ,205,000 2,000,000,000 28/06/ % Institutional ES EUR 28/03/ ,000,000 1,310,000,000 28/03/ % Institutional ES EUR 23/05/ ,000,000 1,545,000,000 23/05/ % Institutional ES EUR 10/04/ ,000,000 1,310,000,000 08/04/ % Institutional Spanish Multi-Issuers - Retained Covered Bonds Código ISIN Divisa Fecha emisión CaixaBank Contribution ( ) Total Issue Outstanding ( ) Maturity Date Coupon Investor Type ES EUR 21/11/2008 1,050,000,000 4,105,000,000 22/11/2015 Eur 3m % Institutional ES EUR 09/04/ ,000,000 1,770,000,000 09/04/ % Institutional ES EUR 19/10/ ,000,000 2,810,000,000 21/10/2017 Eur 3m+0.165% Institutional ES EUR 21/01/ ,000,000 2,810,000,000 21/10/2017 Eur 3m % Institutional ES EUR 16/04/ ,000,000 2,810,000,000 21/10/2017 Eur 3m % Institutional ES EUR 16/04/ ,000,000 2,810,000,000 21/10/2017 Eur 3m % Institutional 16
17 Disclaimer The purpose of this presentation is purely informative. In particular, regarding the data provided by third parties, neither CaixaBank, S.A. ( CaixaBank ) as a legal entity, nor any of its administrators, directors or employees, is obliged, either explicitly or implicitly, to vouch that these contents are exact, accurate, comprehensive or complete, nor to keep them updated, nor to correct them in the case that any deficiency, error or omission were to be detected. Moreover, in reproducing these contents in any medium, CaixaBank may introduce any changes it deems suitable, may omit partially or completely any of the elements of this document, and in the case of any deviation between such a version and this one, assumes no liability for any discrepancy. This document has at no time been submitted to the Comisión Nacional del Mercado de Valores (CNMV the Spanish Stock Markets regulatory body) for approval or scrutiny. In all cases its contents are regulated by the Spanish law applicable at time of writing, and it is not addressed to any person or legal entity located in any other jurisdiction. For this reason it may not necessarily comply with the prevailing norms or legal requisites as required in other jurisdictions. This presentation on no account should be construed as a service of financial analysis or advice, nor does it aim to offer any kind of financial product or service. In particular, it is expressly remarked here that no information herein contained should be taken as a guarantee of future performance or results. Without prejudice to legal requirements, or to any limitations imposed by CaixaBank that may be applicable, permission is hereby expressly refused for any type of use or exploitation of the contents of this presentation, and for any use of the signs, trademarks and logotypes which it contains. This prohibition extends to any kind of reproduction, distribution, transmission to third parties, public communication or conversion into any other medium, for commercial purposes, without the previous express permission of CaixaBank and/or other respective proprietary title holders. Any failure to observe this restriction may constitute a legal infraction which may be sanctioned by the prevailing laws in such cases 17
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