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Page 12

1. Main figures 2. Interview with the Chairman and the General Manager 3. About Cecabank | Mission | Cecabank’s presence

|

Cecabank’s activity

| Ownership structure 4. Corporate culture | Vision and Values

| Cecabank’s team

01 Our identity

Cecabank

2015 Annual Report

The purpose of Cecabank’s equity participations is to meet

the Entity’s objectives.

14.44

%

AHORRO

CORPORACIÓN, S.A.

Financial services holding.

1.55

%

CASER, GRUPO

ASEGURADOR

Insurance.

10.00

%

EURO 6000, S.A.

Administration of debit and

credit card programmes.

0.068

%

SWIFT

International electronic

payments.

75

%

TRIONIS DATA

Development, management

and maintenance of

financial services, with

special emphasis on means

of payment.

0.61

%

MASTERCAJAS, S.A,

Means of payment.

8.85

%

LICO CORPORACIÓN, S.A.

Banking services and

leasing corporation.

3.33

%

TEVEA INTERNATIONAL,

S.A.

Support for the international

business of savings banks

and their clients.

100

%

CEA TRADE SERVICE, TSL

Management of

documentary credit.

0.35

%

SAREB

Managing company

for assets from bank

restructuring.

TRADE

ServicesLtd.

100

%

SERVIPAGOS S.A.

Means of payment.

22.49

%

EUFISERV PAYMENTS SCRL

Means of payment.

Ownership structure

As of 31 December 2015, its most signficant participations were:

9.27

%

SOCIEDAD ESPAÑOLA

DE SISTEMAS DE PAGOS

(IBERPAY)

Exchange, clearing and

settlement of transfer

orders.