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Page. 30

1. Strategic lines

| Economic and regulatory enviroment | Building the future | Business lines

2. Financial information

| Activity | Income Statement | Capital base | Ratings

3. Business risk

| The risk function at Cecabank

03 Our Business Model

Cecabank

2015 Annual Report

Business lines

Cecabank is a financial institutions which specializes in:

2014

2015

Assets under custody in the securities markets ores

Transactions processed in real time

111,000

+9,000

million per year with:

million euros

99.9999

%

level of service

Leading independent Spanish depositary

for investment and pension funds

Cards processed

per year

10

million

E-banking clients

1.96

million

14

%

Spanish Treasury market maker for

Public debt

Direct member of the main Central Counterparty

Clearing Houses

BME Clearing

Eurex

LCH Londres

LCH Paris

Securities

Services

Treasury

Management

Banking

Services