63% CaixaBank Covered Bond Programme...1 CaixaBank – Covered Bond Programme e CB Collateral by...

1

CaixaBank – Covered Bond Programme

CB Collateral by Type Mo

rtg

ag

e C

overe

d B

on

d P

rog

ram

me

as of September 2012

Mortgage Covered Bond Issues: Maturity Profile (1)

Source: CaixaBank

Data in million €

63%

29%

8%

Residencial Comercial Public Sector

2.099

4.784

6.947

5.240

6.809

5.167

3.151

2.624

329

3.317

1.387

500

2.476

5500

450197

90 20

410

1.016

418

1.110

23 1.729

2.270

2.5303.500

533

2.030

4.000

3.500

2.353

4.250

100

0

1.000

2.000

3.000

4.000

5.000

6.000

7.000

8.000

20

12

20

13

20

14

20

15

20

16

20

17

20

18

20

19

20

20

20

21

20

22

20

23

20

24

20

25

20

26

20

27

20

28

20

31

20

37

20

38

20

48

Public Issues Retained Issues (1) Includes Multiname Covered Issuance

Mortgages Public Sector

Total Collateral for Covered Bonds 146,146 12,883 Elligible Portfolio 105,594 12,883

Cédulas

Hipotecarias

Cédulas

Territoriales

Used Collateral 100,710 10,000 Covered Bond Issued Amount 80,568 7,000

Over Collaterization 181% 184%

Available Collateral 4,884 2,883

REMAINING ISSUING CAPACITY (*) 3,907 2,018 Mn €

(*) Issuing Capacity= 80% of Collateral Available for C. Hipotecarias

Data in Million €

5,925 Available Issuing Capacity

87,6 € bn

93,5 € bn

118,5 € bn

159€bn

40.6 € bn

Outstanding CBs

Max. CB Issuance

Elegible vs non-elegible

Total Collateral (Mortgages+Public

Sector)

5,9 Bn €Remaining

Issuing Capacity

2

CaixaBank – Covered Bond Programme

Mo

rtg

ag

e C

overe

d B

on

d P

rog

ram

me


Source: CaixaBank

Solid levels of Over Collaterization Two remarkable facts in 2012:

•Q2: Generation of additional collateral for the ECB credit facility to anticipate any potential deterioration in markets

•Q3: Integration of Banca Cívica

Mortgage Covered Bonds – OC Evolution

3

1. Residential Assets. Collateral

Mo

rtg

ag

e C

overe

d B

on

d P

rog

ram

me

(1) Data of foreclosures not available for loans granted in Cajasol and CAN branches


Cover Pool Description

Total Mortgage Loans (ex securitization) (€ k) 99,990,445 Floating Rate loan Interest Rate type: 99.4%

Number of loans 1,242,006 WA Interest Rate (Floating Rate loans) 3.00%

Average Loan balance (€) 80,507 WA Interest Rate (Fixed Rate loans) 5.29%

Number of Borrowers 1,273,928

Number of properties 1,343,170

WA Seasoning in months 72 6 yrs

WA Remaining term in months 270 22.5 yrs Expected average life based on internal statistics: 12yrs

Avg LTV (%) 45.97%

WA LTV (%) 58.05%

Source: CaixaBank

Portfolio Breakdown

Ranges

Total Loan Balance

(ex sec) €k %

0-≤40% 19,301,491 19%

>40%-≤50% 12,702,479 13%

>50%-≤60% 16,964,190 17%

>60%-≤70% 21,993,698 22%

>70%-≤80% 18,811,969 19%

>80%-≤85% 3,315,691 3%

>85%-≤90% 2,998,746 3%

>90%-≤95% 2,159,661 2%

>95%-≤100% 844,762 1%

>100%-≤105% 287,275 0%

>105% 610,481 1%

99,990,445

Seasoning (months) € k %

< 12 3,964,503 4%

≥12-<24 7,013,935 7%

≥24-<36 7,262,039 7%

≥36-<60 15,949,052 16%

≥60 65,800,917 66%

Total: 99,990,445

Loans in Arreas (1)

<2m 8.55%

≥ 2m - <6m 1.11%

≥ 6m - <12m 0.58%

≥12m 0.52%

in foreclosure (1)

1.37%

Balance per LTV-band

4%

7%

7%

16%

66%

< 12

≥12-<24

≥24-<36

≥36-<60

≥60

Seasoning

19%

13%

17%

22%19%

3% 3%2%

1% 0% 1%0%

5%

10%

15%

20%

25%

90% of the loans with LTV < 80%

4

Residential Assets. Collateral

Mo

rtg

ag

e C

overe

d B

on

d P

rog

ram

me

Source: CaixaBank


Specific Loan and Borrower characteristics

Property type € k %

First Home 89,211,614 89.2%

Second Home 7,898,944 7.9%

Not Owner occupied 1,288,435 1.3%

Other 1,591,452 1.6%

Total: 99,990,445

Loan Purpose € k %

Adquisition 77,143,286 77.2%

Loan Increment 3,772,542 3.8%

Rehabilitation 6,083,974 6.1%

New construction 6,681,374 6.7%

Other 6,309,268 6.3%

Total: 99,990,445


77.2%

3.8% 6.1% 6.7% 6.3%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

Adquisition Loan Increment Rehabilitation New construction Other

89.2%

7.9%1.3% 1.6%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

100.0%

First Home Second Home Not Owner occupied Other

Regional Distribution

€ k %

Catalonia 29,226,853 29.2%

Andalusia 18,130,964 18.1%

Madrid 13,332,600 13.3%

Canary Islands 6,754,550 6.8%

Valencia 5,752,875 5.8%

Castile León 4,234,677 4.2%

Balearic Islands 3,851,044 3.9%

Castile La Mancha 3,418,764 3.4%

Navarra 3,367,506 3.4%

Basque Country 2,815,548 2.8%

Murcia 2,136,798 2.1%

Galicia 2,119,544 2.1%

Aragon 1,558,438 1.6%

Cantabria 943,522 0.9%

Extremadura 863,804 0.9%

Asturias 823,527 0.8%

La Rioja 546,987 0.5%

Ceuta 76,422 0.1%

Melilla 18,170 0.0%

Undefined 17,851 0.0%

Total: 99,990,445

5

2. Comercial Assets. Collateral

Mo

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ag

e C

overe

d B

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d P

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me



Total Mortgage Loans (ex securitization) (€ k) 46,155,951 Floating Rate loan Interest Rate type: 98.2%

Number of loans 225,428 WA Interest Rate (Floating Rate loans) 3.40%

Average Loan balance (€) 204,748 WA Interest Rate (Fixed Rate loans) 5.51%

Number of Borrowers 134,179

Number of properties 319,011

WA Seasoning in months 60 5 yrs

WA Remaining term in months 184 15.3 yrs

Average LTV (%) 43.34%

WA LTV (%) 56.86%

Unindexed LTV Ranges Distributions

Ranges

Total Loan Balance

(ex sec) €k %

0-≤40% 10,854,284 24%

>40%-≤50% 6,586,163 14%

>50%-≤60% 8,077,676 18%

>60%-≤70% 9,344,638 20%

>70%-≤80% 6,336,928 14%

>80%-≤85% 1,269,498 3%

>85%-≤90% 756,413 2%

>90%-≤95% 777,959 2%

>95%-≤100% 1,212,370 3%

>100%-≤105% 224,025 0%

>105% 715,996 2%

46,155,951

Property Type € k %

Offices 2,361,176 5%

Retail 5,065,519 11%

Industrial 3,000,251 7%

Hotel 1,816,120 4%

Flats & Houses 14,567,251 32%

Land 7,398,708 16%

Others 11,946,927 26%

Total: 46,155,951

24%

14%

18%

20%

14%

3%2% 2%

3%

0%2%

0%

5%

10%

15%

20%

25%

5%

11%

7%

4%

32%

16%

26%

0%

5%

10%

15%

20%

25%

30%

35%

Offices Retail Industrial Hotel Flats & Houses Land Others


Property Type

89% of the loans with LTV < 80%

Source: CaixaBank

Portfolio Breakdown

6

Comercial Assets. Collateral

Mo

rtg

ag

e C

overe

d B

on

d P

rog

ram

me

Source: CaixaBank


Loan Maturity (yrs)

€ k %

≤ 5 7,628,051 17%

>5 - ≤10 7,354,129 16%

>10 - ≤15 7,336,458 16%

>15 - ≤25 8,694,771 19%

>25 - ≤50 11,688,978 25%

>50 3,453,565 7%

Total: 46,155,951

17%

16%

16%

19%

25%

7%

≤ 5

>5 - ≤10

>10 - ≤15

>15 - ≤25

>25 - ≤50

>50

Loan Maturity (yrs)

Regional Distribution

€ k %

Andalusia 11,111,684 24.1%

Catalonia 9,736,909 21.1%

Madrid 7,092,479 15.4%

Canary Islands 4,569,478 9.9%

Valencia 2,220,730 4.8%

Castile La Mancha 1,816,913 3.9%

Balearic Islands 1,543,257 3.3%

Castile León 1,494,573 3.2%

Navarra 1,458,308 3.2%

Basque Country 1,161,452 2.5%

Galicia 791,518 1.7%

Aragon 772,860 1.7%

Murcia 671,480 1.5%

Undefined 427,649 0.9%

Extremadura 405,676 0.9%

La Rioja 333,881 0.7%

Cantabria 281,918 0.6%

Asturias 235,734 0.5%

Ceuta 22,981 0.0%

Melilla 6,470 0.0%

Total: 46,155,951

7

3.Public Sector Assets. Collateral

Sp

an

ish

Pu

blic

Secto

r C

overe

d B

on

ds P

rog

ram

me


21%

7%

6%

16%

50%

< 12

≥12-<24

≥24-<36

≥36-<60

≥60 (2)

Loan Maturity (yrs)


Total Mortgage Loans (ex securitization) (€ k) 12,883,538

Number of loans 6,813 Floating Rate loan Interest Rate type: 90.5%

Average Loan balance (€) 1,891,023 WA Interest Rate (Floating Rate loans) 3.10%

Number of Borrowers 1,987 WA Interest Rate (Fixed Rate loans) 4.21%

Average exposure to borrowers (€ ) 6,483,781

WA Remaining term in months 83 6.9 yrs

WA Seasoning in months (1)

35 2.9 yrs

Loan Maturity

€ k %

< 12 2,676,739 21%

≥12-<24 855,538 7%

≥24-<36 777,397 6%

≥36-<60 2,093,431 16%

≥60 6,480,432 50%

Total: 12,883,538

Loans in Arrears %

<2m 0.24%

≥ 2m - <6m 0.95%

≥ 6m - <12m 0.29%

≥12m 0.38%

(1) Seasoning data only available for loans granted in CaixaBank branches. Not info available for loans coming from Banca Cívica

Source: CaixaBank

8

CaixaBank´s Issuances O

uts

tan

din

g Issu

es

Source: CaixaBank


Spanish Mortgages - Pubic Deals Covered Bonds

ISIN Code Currency Issue Date Outstanding (€) Maturity Coupon Rate

ES0414970162 EUR 21/11/2002 1,500,000,000 21/11/2012 4.50%

ES0414970188 EUR 31/10/2003 2,000,000,000 31/10/2013 4.25%

ES0414970212 EUR 05/10/2005 2,500,000,000 05/10/2015 3.25%

ES0414970220 EUR 09/01/2006 1,000,000,000 09/01/2018 Eur 3m+0.075%

ES0414970238 EUR 18/01/2006 2,500,000,000 30/06/2014 3.38%

ES0414970253 EUR 20/04/2006 490,047,000 30/06/2016 Eur 3m+0.1%

ES0414970261 EUR 16/06/2006 150,000,000 16/06/2016 Eur 3m+0.06%

ES0414970287 EUR 22/06/2006 100,000,000 20/06/2013 Eur 3m +0.00%

ES0414970295 EUR 28/06/2006 2,000,000,000 26/01/2017 4.25%

ES0414970279 EUR 30/06/2006 150,000,000 20/08/2013 Eur 3m+0.005%

ES0414970337 EUR 18/09/2006 478,423,000 30/09/2016 Eur 3m+0.1%

ES0414970329 EUR 18/10/2006 100,000,000 18/10/2013 Eur 3m+0.02%

ES0414970345 EUR 28/11/2006 250,000,000 28/11/2016 Eur 3m+0.06%

ES0414970352 EUR 22/01/2007 451,134,000 30/03/2017 Eur 3m +0.00%

ES0414970386 EUR 30/03/2007 68,000,000 20/06/2014 Eur 3m+0.01%

ES0414970378 EUR 30/03/2007 227,500,000 20/03/2017 Eur 3m+0.045%

ES0414970394 EUR 09/05/2007 692,148,000 30/09/2017 Eur 3m+0.1%

ES0414970410 EUR 13/07/2007 25,000,000 20/03/2017 Eur 3m+0.045%

ES0414970519 EUR 26/05/2009 2,000,000,000 26/05/2014 3.75%

ES0414970535 EUR 31/03/2010 1,000,000,000 31/03/2016 3.50%

ES0414970576 EUR 18/08/2010 42,000,000 30/04/2015 3.50%

ES0414970584 EUR 16/09/2010 1,000,000,000 16/09/2013 3.13%

ES0414970592 EUR 06/10/2010 250,000,000 06/10/2014 Eur 6m+1.30%

ES0414970600 EUR 08/10/2010 250,000,000 08/10/2015 Eur 6m+1.47%

ES0414970618 EUR 15/10/2010 25,000,000 15/10/2015 3.74%

ES0414970626 EUR 11/11/2010 300,000,000 11/11/2013 Eur 3m+1.63%

ES0414970659 EUR 22/02/2011 2,000,000,000 22/02/2016 5.00%

ES0414970634 EUR 18/03/2011 570,000,000 31/01/2014 4.71%

ES0414970642 EUR 18/03/2011 74,000,000 02/02/2015 4.98%

ES0414970667 EUR 18/03/2011 1,250,000,000 18/03/2015 4.75%

ES0414970683 EUR 27/04/2011 1,250,000,000 27/04/2016 5.13%

ES0414970675 EUR 13/05/2011 180,000,000 30/07/2014 4.47%

ES0440609024 EUR 14/11/2011 250,000,000 26/01/2017 4.25%

ES0440609040 EUR 16/02/2012 1,000,000,000 16/20/2017 4.00%

9


uts

tan

din

g Issu

es

Source: CaixaBank

Spanish Mortgages - Public Deals Covered Bonds


ES0414970196 EUR 31/10/2003 1,000,000,000 31/10/2018 4.75%

ES0414970204 EUR 17/02/2005 2,500,000,000 17/02/2025 3.88%

ES0414970246 EUR 18/01/2006 2,500,000,000 18/01/2021 3.63%

ES0414970303 EUR 28/06/2006 1,000,000,000 26/01/2022 4.50%

ES0414970402 EUR 04/06/2007 2,500,000,000 04/06/2019 4.63%

ES0414961104 EUR 26/03/2008 25,000,000 26/03/2013 Eur 6m + 0.26%

ES0414970451 EUR 13/06/2008 100,000,000 13/06/2038 5.43%

ES0414970501 EUR 14/05/2009 175,000,000 14/05/2021 Eur 3m+1%

ES0414965105 EUR 22/09/2009 150,000,000 22/09/2017 Eur 3m + 1,50%

ES0414970527 EUR 18/12/2009 125,000,000 18/12/2018 Eur 3m+0.65%

ES0414965113 EUR 10/02/2010 50,000,000 27/09/2013 2.88%

ES0414970543 EUR 07/05/2010 100,000,000 07/05/2019 Eur 3m+0.439%

ES0414970568 EUR 02/07/2010 300,000,000 02/07/2018 Eur 3m+0.439%

ES0414965121 EUR 09/07/2010 50,000,000 09/07/2020 Eur 3m + 2,20%

ES0440609032 EUR 12/12/2011 200,000,000 12/12/2023 Eur 3m+1.092%

Spanish Mortgages - Retained Deals Covered Bonds


ES0448873002 EUR 25/01/2012 1,000,000,000 25/01/2017 6.50%

ES0448873010 EUR 25/01/2012 1,000,000,000 25/01/2018 6.75%

ES0448873028 EUR 25/01/2012 1,500,000,000 25/01/2019 7.00%

ES0448873036 EUR 27/01/2012 1,000,000,000 27/01/2020 7.25%

ES0440609073 EUR 24/05/2012 1,000,000,000 24/05/2018 4.90%

ES0440609081 EUR 24/05/2012 1,000,000,000 24/05/2019 5.20%

ES0440609099 EUR 24/05/2012 2,000,000,000 24/05/2020 5.30%


10


uts

tan

din

g Issu

es

Source: CaixaBank

Spanish Mortgages - Retained Deals Covered Bonds


ES0440609107 EUR 07/06/2012 500,000,000 07/06/2021 Eur 6m +3.85%

ES0440609115 EUR 07/06/2012 2,000,000,000 07/06/2022 Eur 6m +3.85%

ES0440609123 EUR 07/06/2012 4,000,000,000 07/06/2023 Eur 6m +3.80%

ES0440609131 EUR 07/06/2012 3,500,000,000 07/06/2024 Eur 6m +3.80%

ES0440609149 EUR 07/06/2012 1,000,000,000 07/06/2025 Eur 6m +3.75%

ES0448873085 EUR 13/06/2012 1,200,000,000 13/06/2025 Eur 3m+ 5.00%

ES0440609156 EUR 19/06/2012 4,250,000,000 19/06/2026 Eur 6m +3.75%

ES0440609164 EUR 03/07/2012 1,000,000,000 03/07/2027 Eur 6m+4%

ES0440609172 EUR 17/07/2012 750,000,000 17/07/2027 Eur 6m+4.25%

ES0440609180 EUR 17/07/2012 3,000,000,000 17/07/2028 Eur 6m+4.25%

ES0440609198 EUR 26/07/2012 500,000,000 26/07/2020 Eur 6m+4.70%

Registered - Covered Bonds

ISIN Code Currency Issue Date Outstanding (€) MaturityCoupon

Rate

---------------------- USD 12/09/2005 92,807,425 12/09/2013 Libor3m-0.04%

---------------------- USD 14/12/2005 44,856,922 14/12/2012 Libor3m-0.04%

---------------------- EUR 07/07/2006 200,000,000 07/07/2014 Eur 3m +0.00%

---------------------- EUR 26/10/2006 200,000,000 13/06/2014 Eur 3m +0.00%

---------------------- EUR 25/10/2007 200,000,000 25/10/2014 Eur 3m-0.033%

---------------------- EUR 01/10/2008 20,000,000 01/10/2048 5.32%

---------------------- EUR 12/12/2008 200,000,000 12/12/2016 Eur 3m +0.00%

Spanish Mortgages - Covered Bonds (non €)

ISIN Code Currency Issue Date Outstanding MaturityCoupon

Rate

XS0231003129 GBP 30/09/2005 300,000,000 30/09/2015 Libor 1A+0.02%

XS0259726601 USD 30/06/2006 100,000,000 20/06/2013 Libor 3m-0.013%

XS0273475094 USD 01/11/2006 255,000,000 02/02/2037 Libor 3m +0.00%


11


uts

tan

din

g Issu

es

Source: CaixaBank


Spanish Public Sector - Covered Bonds

ISIN Code Currency Issue Date Outstanding (€) MaturityCoupon

Rate

ES0414970436 EUR 28/02/2008 200,000,000 28/02/2013 Eur 6m + 0.135%

ES0414970550 EUR 29/04/2010 1,000,000,000 29/04/2013 2.50%

ES0440609016 EUR 20/10/2011 1,500,000,000 20/03/2014 3.88%

ES0440609008 EUR 20/10/2011 2,500,000,000 19/06/2015 4.25%

ES0440609057 EUR 24/05/2012 500,000,000 24/05/2018 4.90%

ES0440609065 EUR 24/05/2012 500,000,000 24/05/2019 5.20%

ES0414981235 EUR 12/02/2008 100,000,000 12/02/2013 Eur 3m+0.15%

Spanish Public Sector -Retained Deals Covered Bonds

ISIN Code Currency Issue Date Oustanding MaturityCoupon

Rate

ES0448873044 EUR 27/01/2012 250,000,000 27/01/2016 6.00%

ES0448873051 EUR 01/02/2012 250,000,000 01/02/2017 6.50%

ES0448873069 EUR 26/04/2012 200,000,000 26/04/2015 4.75%

Spanish Multi-Issuers - Covered Bonds

ISIN Code Currency Issue DateCaixaBank

Contribution (€)

Total Issue

Oustanding (€)Maturity

Coupon

Rate

ES0361005004 EUR 10/09/2002 81,000,000 300,000,000 10/09/2014 Eur 12m+0.12%

ES0312368006 EUR 11/03/2003 785,000,000 3,800,000,000 11/03/2013 4.01%

ES0370148001 EUR 02/12/2003 219,677,420 1,000,000,000 02/12/2013 4.51%

ES0370148019 EUR 02/12/2003 461,322,580 2,100,000,000 02/12/2018 4.76%

ES0384957009 EUR 04/12/2003 80,000,000 292,000,000 04/12/2015 Eur 3m + 0.13%

ES0317043000 EUR 25/02/2004 225,000,000 2,000,000,000 01/03/2016 4.39%

ES0312360003 EUR 05/04/2004 870,000,000 2,500,000,000 05/04/2014 4.01%

ES0312362009 EUR 16/11/2004 146,341,463 3,000,000,000 16/11/2014 4.01%

ES0312362017 EUR 16/11/2004 53,658,537 1,100,000,000 16/11/2019 4.26%

ES0347848006 EUR 11/03/2005 125,000,000 2,075,000,000 09/03/2015 3.76%

ES0312358007 EUR 15/03/2005 556,041,666 3,500,000,000 15/03/2015 3.75%

ES0312358015 EUR 15/03/2005 228,958,334 1,500,000,000 15/03/2020 4.00%

ES0347849004 EUR 13/06/2005 50,000,000 1,250,000,000 13/06/2020 3.51%

ES0317047001 EUR 15/06/2005 100,000,000 2,000,000,000 20/06/2017 3.50%

ES0312342001 EUR 28/06/2005 121,794,872 1,900,000,000 28/06/2015 Eur 3m+0.07902%

ES0312342019 EUR 28/06/2005 128,205,000 2,000,000,000 28/06/2025 3.75%

ES0312298005 EUR 12/12/2005 238,888,888 2,640,000,000 12/12/2012 Eur 3m+0.0581%

ES0312298013 EUR 12/12/2005 238,888,888 3,600,000,000 12/03/2016 3.50%

ES0312298021 EUR 12/12/2005 167,222,224 1,400,000,000 12/12/2022 3.75%

ES0312299003 EUR 20/02/2006 100,000,000 255,000,000 20/02/2015 3.68%

ES0312298039 EUR 20/02/2006 75,000,000 1,195,000,000 20/02/2018 Eur 3m+0.11934%

12


uts

tan

din

g Issu

es

Source: CaixaBank

Spanish Multi-Issuers - Covered Bonds


Contribution (€)

Total Issue


Coupon

Rate

ES0312298013 EUR 22/03/2006 200,000,000 3,600,000,000 12/03/2016 3.50%

ES0312298054 EUR 22/03/2006 300,000,000 1,500,000,000 22/03/2021 4.00%

ES0347784003 EUR 29/03/2006 275,000,000 1,250,000,000 29/03/2021 4.01%

ES0371622020 EUR 10/04/2006 450,000,000 1,310,000,000 08/04/2031 4.25%

ES0371622012 EUR 25/05/2006 100,000,000 2,310,000,000 10/04/2021 4.13%

ES0312298062 EUR 26/05/2006 50,000,000 1,000,000,000 24/05/2017 Eur 3m+0.086%

ES0371622004 EUR 29/05/2006 150,000,000 1,585,000,000 08/04/2016 Eur 3m +0.06%

ES0312298070 EUR 12/06/2006 110,000,000 2,230,000,000 12/06/2018 4.25%

ES0371622038 EUR 23/10/2006 300,000,000 1,150,000,000 19/10/2018 4.00%

ES0312298096 EUR 23/10/2006 300,000,000 1,600,000,000 23/10/2023 4.25%

ES0312298005 EUR 12/12/2006 150,000,000 2,640,000,000 12/12/2012 Eur 3m+0.059%

ES0312298104 EUR 18/12/2006 150,000,000 2,575,000,000 16/12/2016 4.01%

ES0349045007 EUR 16/02/2007 250,000,000 1,300,000,000 21/02/2022 4.51%

ES0312298112 EUR 19/03/2007 250,000,000 2,000,000,000 17/03/2017 4.00%

ES0371622046 EUR 28/03/2007 300,000,000 1,310,000,000 28/03/2027 4.25%

ES0312298120 EUR 23/05/2007 250,000,000 1,545,000,000 23/05/2027 4.76%

ES0312298229 EUR 13/06/2009 50,000,000 2,295,000,000 13/06/2016 4.76%

ES0312298237 EUR 24/07/2009 100,000,000 1,450,000,000 27/07/2014 4.26%

Spanish Multi-Issuers - Retained Covered Bonds


Contribution (€)

Total Issue


Coupon

Rate

ES0312298153 EUR 19/10/2007 300,000,000 2,810,000,000 21/10/2017 Eur 3m+0.165%

ES0312213004 EUR 26/11/2007 325,000,000 3,460,000,000 25/11/2012 Eur 3m+0.115%.

ES0312298153 EUR 21/01/2008 200,000,000 2,810,000,000 21/10/2017 Eur 3m+0.16849%

ES0312298153 EUR 16/04/2008 100,000,000 2,810,000,000 21/10/2017 Eur 3m+0. 165%

ES0312298153 EUR 16/04/2008 100,000,000 2,810,000,000 21/10/2017 Eur 3m+0. 16849%

ES0312298187 EUR 17/10/2008 900,000,000 4,200,000,000 23/10/2013 Eur 3m+0.91275%

ES0312298195 EUR 21/11/2008 1,050,000,000 4,105,000,000 22/11/2015 Eur 3m+1.2146%

ES0316991001 EUR 17/06/2010 50,000,000 2,050,000,000 30/06/2015 4.00%

ES0316991019 EUR 17/06/2010 50,000,000 2,050,000,000 30/04/2018 4.38%


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(“CaixaBank”) as a legal entity, nor any of its administrators, directors or employees, is obliged, either explicitly or implicitly, to vouch that

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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

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performance or results.

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