CaixaBank Covered Bond Programme
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1 CaixaBank Covered Bond Programme as of June 2012 Use of Portfolio and Issuing Capacity Mortgages Public Sector LOAN PORTFOLIO 116,634 12,398 Used in RMBS/ABS <12,457> <15> Total Collateral for Covered Bonds 104,541 12,383 Elligible Portfolio (1) 76,167 12,398 Cedulas Hipotecarias Cedulas Territoriales Used Collateral (2) 73,966 8,857 Covered Bond Issued Amount 59,173 6,200 Over Collaterization 177% 200% Available Collateral (1-2) 2,201 3,541 REMAINING ISSUING CAPACITY (*) 1,761 2, Available Issuing Capacity (*) Issuing Capacity= 80% of Collateral Available for C. Hipotecarias and 70% for Cedulas Territoriales 7,000 Covered Bond Issues: Maturity Profile Covered Bond Issues: Maturity Profile 6,000 5,856 5,938 5,000 4,000 3,000 2,000 2,407 3,885 4,507 4,179 1,000 2,618 2,601 2, ,000 4,250 3,500 1,000 2, ; 30% ; 70% 1,000 2,756 2,482-1, Public Issues Retained Issues Residencial Mortgage Comercial Mortgage Source: CaixaBanK 1
2 CaixaBank Issues as of June 2012 Spanish Mortgages - Pubic Deals Covered Bonds ISIN Code Currency Issue Date Oustanding Maturity Coupon Rate ES EUR 21/11/2002 1,500,000,000 21/11/ % ES EUR 22/06/ ,000,000 20/06/2013 Eur 3m +0.00% ES EUR 30/06/ ,000,000 20/08/2013 Eur 3m+0.005% ES EUR 16/09/2010 1,000,000,000 16/09/ % ES EUR 18/10/ ,000,000 18/10/2013 Eur 3m+0.02% ES EUR 31/10/2003 2,000,000,000 31/10/ % ES EUR 11/11/ ,000,000 11/11/2013 Eur 3m+1.63% ES EUR 18/03/ ,000,000 31/01/ % ES EUR 26/05/2009 2,000,000,000 26/05/ % ES EUR 30/03/ ,000,000 20/06/2014 Eur 3m+0.01% ES EUR 18/01/2006 2,500,000,000 30/06/ % ES EUR 13/05/ ,000,000 30/07/ % ES EUR 06/10/ ,000,000 06/10/2014 Eur 6m+1.30% ES EUR 18/03/ ,000,000 02/02/ % ES EUR 18/03/2011 1,250,000,000 18/03/ % ES EUR 18/08/ ,000,000 30/04/ % ES EUR 05/10/2005 2,500,000,000 05/10/ % ES EUR 08/10/ ,000,000 08/10/2015 Eur 6m+1.47% ES EUR 15/10/ ,000,000 15/10/ % ES EUR 22/02/2011 2,000,000,000 22/02/ % ES EUR 31/03/2010 1,000,000,000 31/03/ % ES EUR 27/04/2011 1,250,000,000 27/04/ % ES EUR 16/06/ ,000,000 16/06/2016 Eur 3m+0.06% ES EUR 20/04/2006 1,000,000,000 30/06/2016 Eur 3m+0.1% ES EUR 18/09/2006 1,000,000,000 30/09/2016 Eur 3m+0.1% ES EUR 28/11/ ,000,000 28/11/2016 Eur 3m+0.06% ES EUR 28/06/2006 2,250,000,000 26/01/ % ES EUR 16/02/2012 1,000,000,000 16/20/ % ES EUR 30/03/ ,500,000 20/03/2017 Eur 3m+0.045% ES EUR 13/07/ ,000,000 20/03/2017 Eur 3m+0.045% ES EUR 23/03/ ,000,000 23/03/2017 Eur 3m+0.05% ES EUR 22/01/2007 1,000,000,000 30/03/2017 Eur 3m +0.00% ES EUR 09/05/2007 1,500,000,000 30/09/2017 Eur 3m+0.1% ES EUR 09/01/2006 1,000,000,000 09/01/2018 Eur 3m+0.075% 2
3 CaixaBank Issues as of June 2012 Spanish Mortgages - Pubic Deals Covered Bonds ISIN Code Currency Issue Date Oustanding Maturity Coupon Rate ES EUR 02/07/ ,000,000 02/07/2018 Eur 3m+0.439% ES EUR 31/10/2003 1,000,000,000 31/10/ % ES EUR 18/12/ ,000,000 18/12/2018 Eur 3m+0.65% ES EUR 07/05/ ,000,000 07/05/2019 Eur 3m+0.439% ES EUR 04/06/2007 2,500,000,000 04/06/ % ES EUR 18/01/2006 2,500,000,000 18/01/ % ES EUR 14/05/ ,000,000 14/05/2021 Eur 3m+1% ES EUR 28/06/2006 1,000,000,000 26/01/ % ES EUR 12/12/ ,000,000 12/12/2023 Eur 3m+1.092% ES EUR 17/02/2005 2,500,000,000 17/02/ % ES EUR 13/06/ ,000,000 13/06/ % Spanish Mortgages - Retained Deals Covered Bonds ISIN Code Currency Issue Date Oustanding Maturity Coupon Rate ES EUR 24/05/2012 1,000,000,000 24/05/ % ES EUR 24/05/2012 1,000,000,000 24/05/ % ES EUR 24/05/2012 2,000,000,000 24/05/ % ES EUR 07/06/ ,000,000 07/06/2021 Eur 6m +3.85% ES EUR 07/06/2012 2,000,000,000 07/06/2022 Eur 6m +3.85% ES EUR 07/06/2012 4,000,000,000 07/06/2023 Eur 6m +3.80% ES EUR 07/06/2012 3,500,000,000 07/06/2024 Eur 6m +3.80% ES EUR 07/06/2012 1,000,000,000 07/06/2025 Eur 6m +3.75% ES EUR 19/06/2012 4,250,000,000 19/06/2026 Eur 6m +3.75% Registered - Covered Bonds ISIN Code Currency Issue Date Oustanding (1) Maturity Coupon Rate USD 14/12/ ,962,963 14/12/2012 Libor3m-0.04% USD 12/09/ ,888,889 12/09/2013 Libor3m-0.04% EUR 26/10/ ,000,000 13/06/2014 Eur 3m +0.00% EUR 07/07/ ,000,000 07/07/2014 Eur 3m +0.00% EUR 25/10/ ,000,000 25/10/2014 Eur 3m-0.033% EUR 12/12/ ,000,000 12/12/2016 Eur 3m +0.00% EUR 03/03/ ,000,000 02/03/2018 Eur 3m-0.042% EUR 01/10/ ,000,000 01/10/ % 3
4 CaixaBank Issues as of June 2012 Spanish Mortgages - Covered Bonds (non ) ISIN Code Currency Issue Date Oustanding Maturity Coupon Rate XS USD 30/06/ /06/2013 Libor 3m-0.013% XS GBP 30/09/ /09/2015 Libor 1yr +0.02% XS USD 01/11/ /02/2037 Libor 3m +0.00% Spanish Public Sector - Covered Bonds ISIN Code Currency Issue Date Oustanding Maturity Coupon Rate ES EUR 28/02/ /02/2013 Eur 6m % ES EUR 29/04/ /04/2013 2,50% ES EUR 23/05/ /05/2012 2,74% Spanish Public Sector - Retained Deals Covered Bonds ISIN Code Currency Issue Date Oustanding Maturity Rate ES EUR 20/10/ /03/2014 3,88% ES EUR 20/10/ /06/2015 4,25% ES EUR 24/05/2012 º 24/05/2018 4,90% ES EUR 24/05/ /05/2019 5,20% Spanish Multi-Issuers - Covered Bonds ISIN Code Currency Issue Date CaixaBank Contribution Total Issue Oustanding Maturity Coupon Rate ES EUR 11/03/ /03/2013 4,007% ES EUR 02/12/ /12/2013 4,507% ES EUR 02/12/ /12/2018 4,757% ES EUR 25/02/ /03/2016 4,385% ES EUR 16/11/ /11/2014 4,007% ES EUR 16/11/ /11/2019 4,257% ES EUR 15/03/ /03/2015 3,753% ES EUR 15/03/ /03/2020 4,003% ES EUR 13/06/ /06/2020 3,510% ES EUR 15/06/ /06/2017 3,500% ES EUR 12/12/ /12/2012 Eur 3m+0.059% ES EUR 12/12/ /03/2016 3,503% ES EUR 12/12/ /12/2022 3,754% ES EUR 20/02/ /02/2018 Eur 3m % ES EUR 25/05/ /04/2021 4,125% ES EUR 26/05/ /05/2017 Eur 3m+0.086% ES EUR 23/10/ /10/2023 4,254% ES EUR 16/02/ /02/2022 4,510% ES EUR 28/03/ /03/2027 4,250% 4
5 1. Residential Assets. Collateral as of 31st of May 2012 Cover Pool Description Total Mortgage Loans (ex securitization) ( mll) Floating Interest Rate loan over total: 99,7% Number of loans WA Interest Rate (Floating Rate loans) 2,98% Average Loan balance WA Interest Rate (Fixed Rate loans) 5,33% Number of Borrowers Number of properties WA Seasoning in months 66 5,5 yrs WA Remaining term in months ,1 yrs (1) Avg LTV (%) 48% WA LTV (%) 59,9% Portfolio Breakdown Unindexed LTV Ranges Distributions Unidexed LTV Ranges Total Loan Balance (ex sec) mll Balance per LTV-band 0-40% % >40%- 50% % >50%- 60% % >60%- 70% % >70%- 80% % >80%- 85% % >85%- 90% % >90%- 95% % >95%- 100% % >100%- 105% % >105% % % 20% 15% 10% 5% 0% 17% 12% 16% 23% 21% 4% 4% 3% 1% 0% 0% Seasoning mll < % 12-< % 24-< % 36-< % % Total: <60 19% Seasoning 59% Loans in Arreas 24-<36 6% <2m - <6m 0,4% <6m - <12m 0,3% <12m 0,0% in foreclosure 1,4% 12-<24 < 12 6% 9% (1) Expected average life based on internal statistics 12yrs Sorce: CaixaBank 5
6 Residential Assets. Collateral as of 31st of May
7 2. Comercial Assets. Collateral as of 31st of May 2012 Cover Pool Description Total Mortgage Loans (ex securitization) ( mll) Floating Interest Rate loan over total: 98,7% Number of loans WA Interest Rate (Floating Rate loans) 3,12% Average Loan balance WA Interest Rate (Fixed Rate loans) 4,94% Number of Borrowers Number of properties WA Seasoning in months yrs WA Remaining term in months yrs (1) Average LTV (%) 46,4% WA LTV (%) 59,8% Portfolio Breakdown Unindexed LTV Ranges Distributions Unidexed LTV Total Loan Balance (ex sec) mll 25% 24% Balance per LTV 0-40% % >40%- 50% % >50%- 60% % >60%- 70% % >70%- 80% % >80%- 85% % >85%- 90% % >90%- 95% % >95%- 100% % >100%- 105% % >105% % % 15% 10% 5% 0% 18% 14% 18% 14% 2% 2% 2% Property Type 4% 1% 2% Property Type mll Offices % Retail % Industrial % Hotel % Flats & Houses % Land % Others % Total: % 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% 45% 18% 16% 9% 3% 5% 4% Offices Retail Industrial Hotel Flats & Houses Land Others 7
8 Comercial Assets. Collateral as of 31st of May
9 Disclaimer The purpose of this presentation is purely informative. In particular, regarding the data provided by third parties, neither CaixaBank, S.A. ( CaixaBank ) as a legal entity, nor any of its administrators, directors or employees, is obliged, either explicitly or implicitly, to vouch that these contents are exact, accurate, comprehensive or complete, nor to keep them updated, nor to correct them in the case that any deficiency, error or omission were to be detected. Moreover, in reproducing these contents in any medium, CaixaBank may introduce any changes it deems suitable, may omit partially or completely any of the elements of this document, and in the case of any deviation between such a version and this one, assumes no liability for any discrepancy. This document has at no time been submitted to the Comisión Nacional del Mercado de Valores (CNMV the Spanish Stock Markets regulatory body) for approval or scrutiny. In all cases its contents are regulated by the Spanish law applicable at time of writing, and it is not addressed to any person or legal entity located in any other jurisdiction. For this reason it may not necessarily comply with the prevailing norms or legal requisites as required in other jurisdictions. 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 product or service. In particular, it is expressly remarked here that no information herein contained should be taken as a guarantee of future performance or results. Without prejudice to legal requirements, or to any limitations imposed by CaixaBank that may be applicable, permission is hereby expressly refused for any type of use or exploitation of the contents of this presentation, and for any use of the signs, trademarks and logotypes which it contains. This prohibition extends to any kind of reproduction, distribution, transmission to third parties, public communication or conversion into any other medium, for commercial purposes, without the previous express permission of CaixaBank and/or other respective proprietary title holders. Any failure to observe this restriction may constitute a legal infraction which may be sanctioned by the prevailing laws in such cases 9
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