BNP Paribas in SpainBNP Paribas in SpainBNP Paribas in SpainBNP Paribas in Spain

o Solvency ratio to 9.9% in December 2012, six years ahead of schedule in Basel 3o One of the best rated banks in the world among its peers

o ROE 8.9% in December 2012

� Started its activity in the mid-nineteenth century financing Spanish infrastructure. Fully operative since 1979

� A leading international group with the widest range of services and leadership positions inits three business lines

� 3,400 employees in Spain

� More than 1,350 corporate clients and 2.5 millions individual clients

� Offices and points of sale throughout the Spanish geography

BNP PARIBAS, A LEADING FINANCIAL GROUP

WORLDWIDE

36%

8%

6%7%

14%

29%

Investment

Solutions

CIB

Retail

Banking

BancWest

Personal Finance

Europe-Mediterranean

Basel 2.5 allocated equity by operating division in 9M12

57%

Domestic Markets

EUROPE

146,500ASIA-PACIFIC

14,000AFRICA

8,400

MIDDLE EAST

2,100

AMERICA

18,700

with 190,000 employees in nearly 80 countries

IN SPAIN

� A social responsible bank

� One of the strongest banks in the world

� Leader in the Eurozone

with a balanced business model

� One of the largest banks in profit generation capacity in Europe

1st bank in the world in CSR

3

CORPORATE & INVESTMENT

BANKING

Corporate Banking

Corporate Finance

Capital Markets and Derivatives

WITH A WIDE RANGE OF SERVICES TAILORED TO OUR CLIENT’S NEEDS

CLIENTS

Investors

Corporates

Financial Institutions

Individuals

INVESTMENT

SOLUTIONS

Private Banking

Asset Management

Securities Services and Funds Administration

Insurance

Real Estate

RETAIL BANKING

4 domestic markets France, Belgium, Italy and Luxembourg

Specialized businesses

Internet Brokerage and DMA

Consumer Finance

Vehicle Management Service

Financial & Operating Leases

Property Financing

Research and Equity Trading

Corporate Finance: mergers and acquisitions, privatizations, valuations, IPO, convertible bonds, equity derivatives, ...

Capital Markets & Derivatives: fixed income -debt capital markets, securitization, swaps and

interest rate derivatives, forex and treasury-, equity -equity derivatives and cash equity-, and commodity derivatives

Finance Solutions: syndications and structured finance -acquisition finance, leveraged finance, project finance and export finance-

Corporate & Transactional Banking: loans, deposits, credits, guarantees, factoring, cash management and trade finance

• Present since the middle 60´́́́s

• 350 employees

• 5 branches: Madrid, Barcelona, A Coruña, Bilbao and Valencia

• More than 1,350 clients

• Assets in corporate banking: 14,000 M €

Best Bank of the Year 2012

Most Innovative Investment Bank of the Year for Corporates

Eurobonds Bank 2012

Structured Products Bank 2012

Best Bank of the Year in Credit Derivatives (2nd year)

Nº 1 Bookrunner & MLA in EMEA for Syndicates and Acquisition / Demerger Finance

No 2 in Equity Capital Markets

No 1 in Equity Linked Products

No 1 in Corporate Bonds

No 1 in International Syndicated Loans and Structured Finance

Leader in Derivatives and Capital Markets

Top 4 in Forex

No 1 in International Transaction Banking for corporates (ICM and GTS)

Ramiro Mato

+34 91 432 67 00

www.cib.bnpparibas.com

BNP Paribas Corporate & Investment BankingCORPORATE & INVESTMENT BANKING

IN SPAIN

WORLDWIDE

Nuestra experiencia

• Discretionary Portfolio Management

• Advisory in equity, fixed income, investment funds, structured products, etc..

• Financing Solutions

Strong global and local capacities, focused on innovation and independent advice -open architecture-

Double aim: optimize returns and establish long term relationships across several generations

Focus on global coverage of client’s wealth:

• 170 employees, with 60 relationship managers and a team of advisory & product specialists working in close

cooperation with international teams

• 8 branches that offer a local adaptation of our global service

• 4,200 groups of clients

• 5,200 M € of assets under management,+17% p.a. since 2002

6th Best Private Bank in Spain,

Euromoney 2013

Top 3 foreign Eurozone bank

in the Spanish market

1st Private Bank in Europe, Private Banker International 2012

2nd Best Global Private Bank, Private Banker International 2012

AUM: 265,000 M € globally on December 2012

• Real Estate Advisory

• Financial & Estate plannig

• Corporate Finance Solutions

• Philanthropy Advisory, Art, etc.

Financial services Wealth Planning & Diversification

Luis Hernández

+34 91 388 83 01

www.wealthmanagement.bnpparibas.es

BNP Paribas Wealth ManagementPRIVATE BANKING

IN SPAIN

WORLDWIDE

BNP Paribas Investment Partners covers the main kind of assets with its worldwide investment teams that offer client solutions adapted to their needs. Local asset managers cover specific geographical areas, including emerging markets

It distributes Investment funds through financial institutions, mainly Luxembourg ICC (SICAVs): Parvest, BNP Paribas InstiCash, Parworld

Discretionary management for institutional client or investment funds under private label

Investment philosophy:

BNP Paribas Investment Partners

ASSET MANAGEMENT

• Present in Spain since 1987

• 1 office in Madrid

• Distribution agreements with financial institutions, mainly private banks and fund managers, as well as institutional investors,

insurance companies, banks and large companies

• 1,300 M € of assets under management

5th International Asset Manager,

according to Inverco

6th Asset manager in Europe502,000 M € of assets under management worldwidePresence in 41 countries with 3,400 employees

60 management capacities with 800 investment professionals

Sol Hurtado de Mendoza

+34 91 388 88 94

www.bnpparibas-ip.es

BNP Paribas Investment PartnersASSET MANAGEMENT

IN SPAIN

• Providing superior risk-adjusted returns• Search for the best investment opportunities• Rigorous risk control

WORLDWIDE

Nº 1 non-US global player and 5th largest in the world

45 million transactions processed. 6,979 funds under administration

102 markets with global custody access. 25 markets in our proprietary network and present in 34 countries

7,900 employees worldwide

BNP Paribas Securities ServicesSECURITIES SERVICES AND FUNDS ADMINISTRATION

• Branch operating since 1979

• 259 employees

• 2 offices: Madrid and Barcelona

• 3.7 millions transactions processed

• 151,000 M € assets under custody

• 6,009 M € depositary services in 361 CII

• 5,222 M€ of assets under administration in 179 CII, 30 PF, 89 UL and 143 Portfolios

Leading provider of Securities Services in Spain

Strong presence an industry recognition

Global Custodian Magazine - Top rated awards in Spain for the last 20 years and recognition for the quality of its services

Funds Europe 2012 - European Custodian of the Year Award

• Domestic and global settlement and custody. Global Custody Model• Depositary bank services for Collective Investment Institutions and Pension Funds• Global Outsourcing of Securities Department• Support to International Funds Managers as collection and payments agent • Accounting and clearing of CII, pension funds and Unit Links• Post-trading solutions for new trading platforms• Issuer services: organization of general meetings, shareholder registration bookkeeping, stock purchase plans, stock options, ...

• Agent for financial operations, issues, APO / IPO ...• Support in cash management, repos, deposits, cash, forex ...

Leading provider of securities services

Álvaro Camuñas

+34 91 388 87 47

www.securities.bnpparibas.com

IN SPAIN

WORLDWIDE * All figures as of 31 December 2012

Insurance company specialised in payment and individual protection

Distributes channels through agreements with major partners that are leaders in retail sectors, banks, finance or telecommunications

Specialist in integral management of campaigns through face to face, telemarketing and internet channels

Main products:

BNP Paribas CardifINSURANCE

• Present in Spain since 1989

• 85 employees

• 1 office in Madrid

• More than 4.7 million policies

• 232 M € premiums generated in 2012

Leader in payment protection

insurance in Spain

• Payment protection insurance • Accident protection insurance• Asset protection insurance • Individual protection insurance• Car protection insurance • Extended Warranty White & Brown

Top 1 worldwide in payment protection insurance

Presence in around 40 countries

Alexandre Boccia+34 91 590 30 01

www.bnpparibascardif.es

IN SPAIN

WORLDWIDE

BNP Paribas Real EstateREAL ESTATE

• Present in Spain since 1988

• 196 employees and 7 offices

• More than 347,000 sqm commercial property

leased or sold for occupier clients

• 33,000 sqm of offices renegotiated

• 28,200 valuations

• More than 1.6 millions sqm of property under management

• 390 housing sold

Our business lines include the entire real estate life cycle :

• Transaction: advice on renting, buying, selling and investing in any real estate asset

• Consulting: optimize the return on a property

• Valuation: according to national and international standards

• Property Management: comprehensive management of residential and commercial properties

• Investment Management: structuring and management of real estate portfolios

One of the leading international real estate providers3,400 employees in 34 countries through its own offices and alliances

5.3 million sqm of commercial property leased or sold 76,000 valuations

More than 32 million sqm of property under management

1st in the industrial & logistics sectorand in the auction market

4th property consultantin the Spanish general classification

Luis Martín Guirado

+34 91 454 96 00

www.realestate.bnpparibas.es

IN SPAIN

With support from our teams: Corporate Services and Research Department

WORLDWIDE * All figures as of December 2012

• Spanish Branch of the European leader for investing in financial markets and trading on-line

•33 employees and 1 office in Madrid

• More than 10,000 active clients

•185,000 derivative contracts in 2012

•1st broker in open market operations SIBE in 2H2012

Services for individual clients:

Cortal ConsorsINTERNET BROKERAGE AND DMA

• National and European equity

• Meff, Eurex, CME, CBOT and NYMEX derivatives

• Investment Funds, ETFs and Warrants

• Operative credit

• Euro and dollar accounts

Market share up to 3.5%in Spanish Stock Exchange

Ranked amid 12 first Spanish brokers

Top 1 in Europe

35,000 M € in assets under management worlwide

Present in 8 countries

• Pioneer in routings in the domestic market

• Access to the main financial markets y MTFs

• Institutional brokerage, with over 20 years experience

• Treasury stock management, liquidity provider, stabilization agent

• Services to asset management firms and issuers as MAB member (Mercado Alternativo Bursátil)

• Macroeconomic, strategic and technical research

• Saving accounts and deposits

• 4 trading platforms

• Forex CFDs

• Advisory

• Training

Services for corporate and institutional clients:

Arancha Sigüenza+34 902 50 50 50

www.cortalconsors.es

IN SPAIN

WORLDWIDE

* Figures as of December 2012

CetelemCONSUMER FINANCE

• Present in Spain since 1988

• 1,250 employees

• 2.5 million clients

• 437,000 active credit cards

• Debt portfolio 3,800 M €

• 3,000 selling points

• Presence in 1,000 dealers

Global provider of financial services to individuals: specialist in consumer credit, personal lending and credit cards

Financial Partner of leading consumer products companies (furniture, computers, ...), car dealers and insurance companies

Information provider to the market through its research “El Observatorio de Cetelem” (www.elobservatoriocetelem.es)

Commitment to responsible credit (www.creditoresponsable.com)

Nº 1 in consumer credit, personal loan and credit cards,

according to ASNEF

BNP Paribas Personal Finance, parent company of Cetelem, is Top 1 in Personal Finance in EuropePresent in 25 countries

Gilles Zeitoun

+34 91 337 07 00

www.cetelem.es

IN SPAIN

WORLDWIDE

ArvalVEHICLE MANAGEMENT SERVICES

• Present in Spain since 1996

• 400 employees

• 4 branches: Madrid, Barcelona, San Sebastián and Valencia

• More than 5,100 direct clients and 11,500 indirect

• More than 72,000 leased vehicles

• 16,000 purchased vehicles in 2012

• 4,090 repair shops, 3,229 premium repair shops

• 90% of drivers satisfied

Top 2 in Europe

689.000 leased vehicles in Europe –June 2012–

Direct presence in 25 countries, and indirectly in 14 countries, through strategic partnerships

Top 1 in leased fleet in Spain

Cecilia Boned

+34 91 659 72 00

www.arval.es

IN SPAIN

Specialized in multi-brand vehicle leasing, it offers innovative and sustainable solutions in fleet management through a complete rental service, outsourcing, and consulting services

Arval is a global leader, innovative and expert in fleet management and mobility solutions, recognized by the quality of its services. Its main goals are to be distinguished by a superior quality of its services and increase its presence in new markets

It offers a new catalog of sustainable products and services tailored to new mobility trends (telematics, car sharing, online applications ...)

It has two sales channels: direct and indirect (Caixa Renting, Renting Renault, Nissan Renting, Infinity Renting, Renting Hyundai, Honda Renting ...)

WORLDWIDE

BNP Paribas Leasing SolutionsFINANCIAL & OPERATING LEASES

• Present since 1989

• 60 employees

• 2 branches, Madrid and Barcelona,

18 agents operating through 950 selling points

• 25,610 clients

• Total assets: 485 M €

• 34,000 contracts managed in the middle term

• 2,002 invoices managed in the short term

Top 1 in farm machinery financing in Spain

Short and long term financing solutions for capital goods: wholesale, leasing, renting with maintenance and credit

Capacity to finance new capital goods

It offers complementary products such as life insurance, temporary and permanent disability insurance and machinery insurance

Leader in Europe and France

Javier Irigoyen

+34 902 996 656

www.leasingsolutions.bnpparibas.es

IN SPAIN

WORLDWIDE

UCIRESIDENTIAL PROPERTY FINANCING

• 50% BNP Paribas and 50% Santander

• Present in Spain since 1988

• 560 employees

• 17 branches in Spain

• 280 members in Comprarcasa España

• More than 4,000 selling points and 195,000 clients

• Loans managed in Spain: 11,400 M €

Nº 1 in mortgage loan distribution through real estate agents in Spain

Comprarcasa is the real estate Network Nº 1 in Iberia Peninsula

Leader in mortgage loan commercialization through real estate professionals

Strategic position in internet channel

Taylor made financing for each client

Leader in Spain and Portugal in mortgage financing through real estate professional channel

Roberto Colomer

+34 91 337 37 37

www.uci.com

IN SPAIN

WORLDWIDE

BNP Paribas, Bank of the Year 2012

Best Private Bank in Europe and

2nd Best Private Bank worldwide

Most Innovative Investment Bank

of the Year for Corporates

Brand Finance Banking 500Brand Finance Banking 5001st Banking Brand in Europe

Standard&Poor’sMoody’s, Fitch

Standard&Poor’sMoody’s, FitchAmong the best rated banks

International Awards

Funds EuropeFunds EuropeBest European Custodian of the Year