BNP PARIBAS IN SPAIN

ABOUT BNP PARIBAS

WORLDWIDE

BNP Paribas is a financial and banking servicesinstitution with a presence in 75 countries. Thegroup, which has 180,000 employees, ranks highly inits three core activities: Retail Banking, InvestmentSolutions and Corporate & Investment Banking.

In Retail Banking, the Group is present in Europe infour domestic markets (Belgium, France, Italy andLuxembourg) and is rolling out its integrated retailbanking model across Mediterranean basincountries, Turkey and Eastern Europe. Additionally, ithas a large network in the western part of theUnited States.

In its Corporate & Investment Banking andInvestment Solutions activities, BNP Paribas alsoenjoys top positions in Europe, a strong presence inthe Americas and solid and fast-growing businessesin Asia-Pacific.

“BNP Paribas is a leading financial group, socially committed and with a great local presence”

€4,832 millions net income in 2013

180,000employees

75countries

9,9%10,3%

01/01/2012 01/01/2013

A strong bank

Solvency ratio according to Basel 3

IN SPAIN

• BNP Paribas started its activity in ourcountry in the mid-nineteenth centuryfinancing Spanish infrastructures andis fully operative as a bank since1979.

• In Spain, the group provides servicesto more than 1,350 corporate clientsand 2,500,000 individual clients inits three core activities :

• Corporate & Investment Banking• Investment Solutions• Retail Banking

• The bank has 3,370 employees in ourcountry and offices and points of salethroughout the Spanish geography.

EUROPE

141,500EUROPE

141,500ASIA- PACIFIC

14,700ASIA- PACIFIC

14,700

AFRICA

9,000AFRICA

9,000

MIDDLE EAST

600MIDDLE EAST

600

AMERICA

18,700AMERICA

18,700

EUROPE

141,500ASIA- PACIFIC

14,700

AFRICA

9,000

MIDDLE EAST

600

AMERICA

18,700

22 million clients

7,000Retail Banking branches

1st bankIn CSR worldwide

RANGE OF SERVICES

“BNP Paribas is a diversified financial institution that provides a wide range of services to a large base of clients all around the world”

A balanced business model

Revenues worldwide in 2013

IN SPAIN

BNP Paribas offers a wide range of services mainly addressed tobig companies, multinationals, financial institutions, institutionalinvestors and individuals.

Investment SolutionsPrivate Banking – BNP Paribas Wealth ManagementAsset Management – BNP Paribas Investment PartnersSecurities Services and Funds Administration– BNP Paribas Securities ServicesInsurance – BNP Paribas CardifReal Estate - BNP Paribas Real Estate

Retail Banking4 domestic markets: France, Belgium, Italy and Luxembourg, and specialised businesses

Internet Brokerage and DMA - Cortal ConsorsConsumer Finance - CetelemVehicle Management Service - ArvalFinancial & Operating Leases – BNP Paribas Leasing SolutionsFactoring - BNP Paribas FactorMortgage Financing – UCI

Corporate & Investment BankingCorporate Banking, Corporate Finance, Capital Markets and Derivatives- BNP Paribas Corporate & Investment bankingResearch and Equity Trading– Exane BNP Paribas

Investment Solutions€6,300M

Corporate & Investment

Banking€8,700M

Retail Banking€24,500M

CORPORATE & INVESTMENTBANKING

Global VisionIn Spain, BNP Paribas Corporate & Investment Banking has 365 employees who provide servicesto more than 1,350 clients through its offices in Madrid, Barcelona, A Coruña, Bilbao andValencia, and a volume of assets of 14,000 million euros.

BNP Paribas supports companies and their subsidiaries in their efforts to developtheir businesses in the European market and worldwide. It is the only financialinstitution in Europe to combine a network of 150 business centres in 23 countrieswith a comprehensive, innovative range of day-to-day banking products andservices. In addition, the Group’s presence in 75 countries enables BNP Paribas toextend this range to areas beyond Europe.

N. 1 Global Corporate Bank 2013, according to Global Finance

N. 1 Investment Grade Bonds in Iberia 2013, according to Dealogic

N. 1 International Bank in Syndicated Loans, according to Dealogic

In Corporate & Investment Banking, BNP Paribas provides services in the following areas ofactivity:

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

Capital Markets and Derivatives: fixed income (debt capital markets, securitization, swapsand interest rate derivatives, forex and treasury), equity (equity derivatives and equity cash)and commodity derivatives.

Finance Solutions: syndications and structured finance (acquisition finance, leveraged finance,project finance and export finance).

Corporate & Transactional Banking: loans, credits, guarantees, cash management and tradefinance.

Research and Equity Trading.

RANGE OF SERVICES • CORPORATE AND INVESTMENT BANKING

CORPORATE AND INVESTMENT BANKING

Ramiro Mato Tel +34 91 432 67 00cib.bnpparibas.com

365employees

1,350corporate clients

€14,000 millions in assets

150 businesscentres in Europe

One Bank for Corporates in Europe and beyond

INVESTMENTSOLUTIONS

Global VisionIn Spain, BNP Paribas Wealth Management has offices in 8 cities (Madrid, Barcelona, Valencia,Bilbao, Sevilla, San Sebastián, Zaragoza and Alicante) and 160 employees, including 50 bankersand specialists in advice and product, who provide services to around 4,200 groups of clients.The entity manages a total volume of assets of 5,700 million euros in Spain and 280,000worldwide (December 2013).

• Discretionary Portfolio Management• Investment solutions: advisory in equity, fixed income, investment funds,

structured products, etc.• Financing Solutions

The private banking model of BNP Paribas seeks to build lasting relationships with its clients,satisfying all their needs through a wide range of financial and economic solutions and teams ofprofessionals that combine global capabilities and experience with local knowledge andadaptation. All of that with a twin objective: maximizing profitability continuously over time andthrough successive generations. BNP Paribas Wealth Management also has a specialised teamdedicated to wealthy families.

BNP Paribas Wealth Management provides diverse financial and wealth planning services:

• Real Estate Advisory• Financial & Estate Planning• Corporate Finance Solutions• Advisory in Art, Philanthropy, etc.

Financial services:

Wealth planning services:

N. 1 Private Bank in Europe, according to Private Banker International 2013

N. 1 European Private Bank: ”UHNW Team” and “International Clients Team”, according to Wealth Briefing 2013

N. 6 Private Bank in Spain, according to Euromoney 2013

RANGE OF SERVICES • INVESTMENT SOLUTIONS

PRIVATE BANKING

Luis HernándezTel +34 91 388 83 01wealthmanagement.bnpparibas.es

8offices

160employees

4,200 groups of clients

€5,700 millions assets under management

6th

Asset manager in Europe

10th

International asset manager in Spain, according to Inverco

This entity´s investment philosophy focuses on:

BNP Paribas Investment Partners covers the main types of assets and has investment teamsall over the world to offer the client solutions that fit their needs. Besides, it has local assetmanagers that cover specific geographic areas, including emerging markets.

The entity distributes investment funds through agreements with financial institutions,mainly SICAVs from Luxembourg: Parvest, BNP Paribas L1, BNP Paribas InstiCash, Parworld.

On the other hand, it takes the discretionary management for institutional clients orinvestment funds under private label.

Global VisionIn Spain, BNP Paribas Investment Partners operates since 1987 and has an office in Madrid. Ithas agreements with financial institutions, mainly private banks and fund managers, inaddition to institutional investors, insurance companies, banks and large companies. The entitymanages assets worth 1,500 million euros.

Worldwide, it has 3,000 employees in 38 countries and 60 management capabilities with 700investment professionals. BNP Paribas Investment Partners manages a total volume of assetsof 473,000 million euros.

• Providing superior risk-adjusted returns• Searching for the best investment opportunities• Maintaining a rigorous risk control

RANGE OF SERVICES • INVESTMENT SOLUTIONS

ASSET MANAGEMENT

Sol Hurtado de Mendoza Tel +34 91 388 88 94www.bnpparibas-ip.es

Since 1987operates in Spain

€1,500 millions in assets

38 countries in which it has a presence

With 3,000employees

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

BNP Paribas Securities Services is a leading provider that offers the following services:

Global VisionIn Spain, BNP Paribas Securities Services operates since 1979, where it has 262 employees inits offices of Madrid and Barcelona. The entity has 199,000 million euros of assets undercustody; 7,340 million euros of assets on deposit, in 387 CII and PF; and 6,007 million euros ofassets under administration, in 181 CII, 28 PF, 84 UL and 177 Portfolios. In 2013 it hasprocessed a total of five million operations.

Globally, BNP Paribas Securities Services has 8,225 employees in more than 100 markets, withsettlement in 34 countries and 26 offices of custody. In total, the company has 7,067administration funds and has settled 53 million transactions.

Leading provider

Securities Services in Spain

Top rated award for the last 21 years in Spain and recognition of the quality of its services by Global Custodian Magazine

N. 1 Custody in Europe

N. 5 Custody worldwide

RANGE OF SERVICES • INVESTMENT SOLUTIONS

SECURITIES SERVICES AND FUNDS ADMINISTRATION

Álvaro Camuñas+34 91 388 87 47securities.bnpparibas.com

262employees

€199,000 millions of assets under custody

€7,340 millions of assets on deposit

6,007 millions of assets under administration

Global VisionBNP Paribas Cardif, which has a presence in about 40 countries, began its activity in Spain in1989. Currently, it has 85 employees in its Madrid office and more than 4,700,000 policies. In2013, the entity generated 191 million euros in premiums in our country.

BNP Paribas Cardif is a global provider of insurance solutions, specialised in the distributionof payment and individual protection insurances through agreements with major partners whoare leaders in the fields of retail, banking, finance or telecommunications. Besides, it is aspecialist in global management of campaigns with a multichannel approach (point ofsale, telemarketing and internet).

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

The entity provides mainly the following services:

Pioneer in the payment protection market and leader in insurance solutions for individuals worldwide

RANGE OF SERVICES • INVESTMENT SOLUTIONS

INSURANCE

Alexandre BocciaTel +34 91 590 30 01www.bnpparibascardif.es

Since 1989 operates in Spain

85 employees

4,700,000 policies €191 millions in premiums

Global Vision

It is present in Spain since 1988, where it has 170 employees and 7 delegations. In ourcountry, BNP Paribas Real Estate has advised on investments worth 96 million euros, leasedor sold 587,115 sqm of commercial property, made 22,290 valuation reports and managedover 1,8 million sqm in 2013.

BNP Paribas Real Estate provides its services during the entire real estate life cycle:

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

Consulting : for optimizing 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

Besides, it has the support of its team of Client Relations and Research for the study andanalysis of the markets and has created a new business segment oriented towards shoppingcentres.

N. 1 Industrial & logistics sector and auction market in Spain

N. 4 Spanish general classification, according to M2

magazine

One of the leading international real estate providers

RANGE OF SERVICES • INVESTMENT SOLUTIONS

REAL ESTATE

Luis Martín GuiradoTel +34 91 454 96 00www.realestate.bnpparibas.es

170employees

587,115 sqm commercial property leased or sold

1.8 million sqmunder management

22,290valuation reports

RETAILBANKING

RANGE OF SERVICES • RETAIL BANKING

INTERNET BROKERAGE AND DMA

Cortal Consors provides services for investing in the financial markets and trading on-lineto individual, corporate and institutional clients.

• National and European equity• Meff, Eurex, CME, CBOT and NYMEX

derivatives• Investment Funds, ETFs and Warrants• Euro and dollar accounts • Saving accounts and deposits• “Multiplica” account• Forex CFDs• 4 trading platforms• Customized advisory• Training

• Domestic market routings, in which it ispioneer

• Access to the main financial marketsand MTFs

• Institutional brokerage, with over 20years experience

• Treasury stock management, liquidityprovider and stabilization agent

• Services to asset managers and issuersas member of the MAB (MercadoAlternativo Bursátil)

Services for corporate and institutional clients:

Global VisionIn Spain, Cortal Consors has 36 employees in its Madrid office who provide service to morethan 11,000 active clients. It has a market share of over 4.4% in the Spanish Stock Market.

The entity is present in 9 countries and has 39,000 million euros in assets under management(December 2013).

Besides, it conducts macroeconomic, strategy and technical research for institutional andindividual clients.

Services for individual clients:

Arancha Sigüenza+34 902 50 50 50www.cortalconsors.es

36employees

11,000active clients

4.4% market share in the Spanish Stock Market

9 countries in which it has a presence

N. 1 Trading online in Europe

N. 2Open market operations SIBE in 2013, according to BME

N. 1Broker online 2013, according to La Razón

Global VisionCetelem operates in Spain since 1988, where it has 1,250 employees who provide services to2,5 million clients through 3,000 points of sale. It has presence in 1,000 car dealers and has410,000 active credit cards and an exposure of 3,815 million euros. The group carries out thisactivity in 20 countries of 4 continents.

Cetelem is a global provider of financial services to individuals, specialist in consumercredit, personal loans and credit cards. It is financial partner of the leading distribution,consumer products and e-commerce companies, brands and car dealers. It is a reference forinformation and analysis of consumption in Spain thanks to its studies of El ObservatorioCetelem (www.elobservatoriocetelem.es).

The entity is committed to innovation, providing multichannel and digital access, as well asto responsible lending (www.creditoresponsable.com) and promotes financial education anddomestic economy management (www.domesticatueconomia.es).

N. 1 Consumer credit, personal loans and credit cards in Spain, according to ASNEF

RANGE OF SERVICES • RETAIL BANKING

CONSUMER FINANCE

Gilles Zeitoun+34 91 337 07 00 www.cetelem.es

1,250employees

2,500,000clients

3,000points of sale

410,000active credit cards

Arval provides innovative solutions for intelligent mobility which include telematics andcarsharing based services. It has an organisation oriented to place clients and drivers in itscentre, reinforcing proximity and service quality.

Arval has introduced the new concept Arval Smart Experience, which arises from integratinginnovation, technology and communication to interact in a flexible and reactive way withclients and drivers.

The entity, whose integral activity has been certified with ISO 14001, provides mobility andmanagement solutions through a complete catalogue of products and services.

Global VisionArval operates in Spain since 1996 and has around 400 employees in its offices of Madrid,Barcelona, San Sebastian and Valencia who provide service to 4,800 direct clients and 11,400indirect ones.

In Spain, the entity has 70,000 financed vehicles and acquired 17,500 in 2013. Its networkincludes 4,358 partner workshops, 2,211 of which correspond to the priority network. Driver´ssatisfaction level reaches up to 90%.

The Group has a direct presence in 25 countries and indirect, through strategic alliances, inother 14. In Europe, Arval Group Fleet reached 700,000 financed vehicles by June 2013.

N. 2 Fleet management in Europe

N. 1 Financed fleet in Spain, according to Asociación Española de Renting

RANGE OF SERVICES • RETAIL BANKING

VEHICLE MANAGEMENT SERVICES

Cecilia Boned+34 91 659 72 00 www.arval.es

400employees

4,800direct clients

70,000financed vehicles

4,358 partner workshops

11,400Indirect clients

Global Vision

In Spain, it is present since 1989 and has 60 employees in its offices of Madrid andBarcelona. It has 18 agents and 950 points of sale that provide service to 29,204 clients. Theentity has 461 million euros of assets, 35,763 contracts managed in the medium term and2,016 invoices managed in the short term.

BNP Paribas Leasing Solutions offers financial and operating leases in the short and longterm: wholesale, leasing, renting with maintenance and credit. Besides, it has the capabilityof financing new capital goods and offers complementary services such as life insurance,temporary and permanent disability insurance and machinery insurance.

N. 1Farm machinery financing in Spain, and

N. 3Office equipment financing in Spain, according to AsociaciónEspañola de Leasing

Leader in Europe

N. 1 in France

RANGE OF SERVICES • RETAIL BANKING

FINANCIAL & OPERATING LEASES

Javier Irigoyen+34 902 996 656leasingsolutions.bnpparibas.es

60employees

29,204clients

950points of sale

€461 millions assets

Leader Factoring in Europe

BNP Paribas Factor offers a wide and comprehensive range of factoring services to meetthe financing needs of companies locally, regarding importation and exportation, and beyondthe Spanish borders with its international products.

Global Vision

BNP Paribas Factor was created in Spain in 2009, although the BNP Paribas Group has beenproviding these services in our country since 2006. This entity has 11 employees in its Madridoffice. In 2013, it managed a total of 74,485 invoices in Spain and its purchased turnoveramounted to 496 million euros.

The group has a direct presence in 13 European countries, Morocco and Hong Kong, and anindirect presence in 76 countries through agreements with both FCI (Factor ChainInternational) and IFG (International Factor Group) networks.

RANGE OF SERVICES • RETAIL BANKING

FACTORING

Marc Balaguer

+34 91 432 67 22

factor.bnpparibas.es

Since 2006provides services in Spain

€496 millions purchased turnover

74,485invoices managed

15 countriesdirect presence

Global Vision

UCI operates in Spain since 1988, where it has 580 employees and 26 sales offices whichprovide services to 190,000 clients. It works with over 4,000 real estate agents. In addition,the entity manages assets worth 11,200 million euros.

UCI is present in Portugal since 1999 and in Greece since 2004. In addition, since 2012 itoffers mortgage solutions in Brazil through the real estate professionals channel.

UCI is an entity owned 50% by BNP Paribas Group and 50% by Banco Santander. It offers awide range of tailor made mortgage solutions and has a strategic position in the internetchannel.

N. 1 Mortgage financing in Spain and Portugal through the real estate professionals channel

N. 3 Comprarcasa is the third real estate network in the Iberian Peninsula, with 135 members

RANGE OF SERVICES • RETAIL BANKING

MORTGAGE FINANCING

Roberto Colomer+34 91 337 37 37www.uci.com

580employees

190,000clients

4,000points of sale

€11,200 millionsassets managed

The informations contained in this presentation, to the extent that they relate to other parties other than BNP Paribas or have been extracted from externalsources, have not undergone independent checks and do not lead to any statement or commitment, nor can the accuracy, honesty, precision andexhaustiveness of the informations or opinions contained in this presentation be certified. Neither BNP Paribas nor its representatives shall have any liabilityfor any negligence or damage that may result from the use of this presentation or its contents or of anything that may relate to it or any document orinformation it may refer to.