International Branches. Financial Products and Services

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1 International Branches Financial Products and Services

2 Index Eficacia, servicio y compromiso con el cliente Introduction Financing Services for Business Trade Finance Investment Banking Online Banking

3 Introduction Financial Solutions for Businesses CaixaBank is an integrated financial group with a banking business, insurance activity and investments in international banks Spain s leader in retail banking. It has a firm commitment to growth, both domestically and internationally, thanks to its proven experience in banking sector investments and its distinctive discretion. At CaixaBank we believe that business deserve specialized attention. We have a team of Business Management experts, numerous innovative tailormade solutions and, most importantly, operations services that are available 24 hours a day. CaixaBank has a team that provides solutions for of each business, regardless of its size. Each Relationship Manager is qualified to provide you with the best solution at any time. You can also rely on the constant support of our product specialists and our organization as a whole. Additionally, we offer you a range of products and services with high added value. In business, we re always at your side.

4 Introduction International Banking

5 Financing Eficacia, servicio y compromiso con el cliente Working Capital Financing Investment Financing

6 Financing Working Capital Financing Credit Accounts Offering flexible financing which allows you to meet the constantly changing working capital needs that managing a business entails. Commercial Discount Have at your disposal in advance the money from already completed commercial sales to third parties. Promissory notes, receipts and certifications are all eligible.

7 Financing Investment Financing Loans, Corporate Loans and Syndicated Loans We offer you the installments and guarantees that are best for you, based on your situation and operations. Structured Financing Our sector specialists offer you tailormade financial solutions, particularly in the fields of both, infrastructure and energy.

8 Services for Business Eficacia, servicio y compromiso con el cliente Cash Management Payments Management Liquidity Management Guarantees FOREX Operations

9 Services for Business Cash Management Cheque Management Managing your cheques more effectively allows for greater control over the collections you make. Main Advantages Reduction in the time needed to manage collection of your cheques payable Improved and faster notice regarding possible returns

10 Services for Business Payment Management Payments without Complications We offer you an effective system which allows a comprehensive treatment of your transfer payments through Línea Abierta, with the following advantages: Online consultation of transfers Processing of urgent payments Specific payments to government agencies Mass Payments Issue mass payments directly from your accounting system, vía Línea Abierta. Tax and Social Security Payments Through our international branches, you can make tax payments on behalf of your foreign subsidiaries and branches.

11 Services for Business Liquidity Management Options Designed to Derive Profit from Your Surplus Both the development of new tools and the evolution of markets allow us to offer you sophisticated solutions that are specifically adapted to your business s needs: Short-term investment: investment that best fits your needs, short-term deposits Checking Accounts: our range of products is rounded off with the possibility to manage on a daily basis any of various types of checking accounts, which combine functionality and profitability, in different currencies Cross Currency Allows for a swift management of accounts in the local currency of each country and each of the most common currencies.

12 Services for Business Guarantees The Guarantee Your Business Needs The perfect product for businesses needing to guarantee their payment and contractual obligations in tenders and commercial or financial operations. Categories: Technical guarantees for tenders and contractual obligations. We aim to help you reduce processing time by providing market standard guaranteed templates Economic and Financial Guarantees. To secure your payment obligations Guarantee Lines. Ideal for reducing processing and paper transactions when you need coverage for guarantees on a regular basis

13 Services for Business FOREX Operations Currency Exchange We carry out your currency exchange needs in real time on the spot market, allowing you to have the most accurate prices at all times. Exchange Rate Coverage Mitigate exchange rate risk in your foreign subsidiaries and branches with the coverage that our international treasury offers.

14 Trade Finance Eficacia, servicio y compromiso con el cliente International Cash and Payments Management Financing and Guarantees Foreign Exchange Markets and Exchange Rate Coverage Other Trade Finance Services

15 Trade Finance International Cash and Payments Management Carry out your operations in real time Though the branch, we offer you the following options: Receipt and automatic payment of transfers. Personal management of payments or tariff items for high-value transfers, simply by accessing Línea Abierta Immediate issuance of transfers, either from the branch or via Línea Abierta, with a timestamped, SWIFT proof of receipt of funds In addition to these exclusive offerings of CaixaBank, we also offer you other payment options, such as issuance of guarantees, Clean Import Collections and Documentary Import Collections.

16 Trade Finance Financing and Guarantees Finance Your Projects Abroad We offer you working capital financing through Foreign Currency Loans that incorporate direct emission of transfers. We also provide you with specific lines of credit for your business s internationalization, as well as issuance of all kinds of guarantees used in trade finance. Always with specialized advisory services and technical support.

17 Trade Finance Foreign Exchange Markets and Exchange Rate Coverage Secure the value of tomorrow s currency today We provide you with the price of all coverage solutions, instantly available as a function of the currency and period of the operation. If you prefer, you may directly access exchange rates via Línea Abierta, thus allowing you to definitively settle transactions.

18 Trade Finance Other Trade Finance Services Correspondent Bank Agreements Through the group, CaixaBank has bilateral agreements with over 2,900 international banks so that you can carry out business in any country in the world. Futhermore, we serve as an intermediary between our corporate clients and our correspondent banks to create tailormade solutions for even your most complex international financing operations.

19 Investment Banking Eficacia, servicio y compromiso con el cliente Specialized Financing Syndicated Loans

20 Investment Banking Specialized Financing Carry Out Your Largest Business Projects For special debt refinancing operations requiring ad hoc solutions, we offer financing structures that are based on projected operating income or other formulas that will make the desired acquisition or transaction possible. In particular, we offer a specialized financing structure service, with the following features: Corporate: financing for the company s day-to-day operations Acquisitions: by adapting to the cash flows of the entity Asset Financing: financially based solutions for shipbuilding and the purchase of aircraft Real Estate Transactions: from existing debt and other transactions Energy: financing conventional and renewable energy projects including wind farms, solar energy and photovoltaics Infrastructure: financing construction and operation of highways, ports, hospitals and other public and private infrastructure

21 Investment Banking Syndicated Loans Syndicated Loans When your business s growth needs a significant amount of financing and other financial institutions must be involved, we at CaixaBank offer you our experience as an Agent Bank, to structure financing through syndicated loans and Club Deals, and also to act as your interlocutor when negotiating with other banks.

22 Online Banking Eficacia, servicio y compromiso con el cliente Línea Abierta

23 Online Banking Línea Abierta Make Inquiries and Perform Operations From Your Office We provide you with all the necessary information and services which allows comfortable management of day-to-day operations. Online inquiries on you accounts, products and services. With visualization of previous statements, as well as printing or downloading of digital documentation. Exclusive range of cash and payment management services, both domestically and internationally. Domestically via file uploads, periodic orders and individual orders. What Makes Us Unique Innovation: we help you to improve your business s competitiveness by offering the banking solutions of tomorrow. Not only are we continuously developing services to provide simple solutions to complex problems, but we are also innovators in processing, security and speed. Quality of Service: la Caixa s quality guarantee, as certified by AQMetrix, an independent consultant.

24 Online Banking Línea Abierta Main Advantages Security and Confidentiality: we guarantee total confidentiality thanks to a sophisticated system of passwords Cost Reduction: administrative and management needs are reduced, as you can mechanize process and perform transactions online. You can also view digital images of all communications, thereby reducing the need to physically store files. Speed and comfort: thanks to our automated services, you can save a considerable amount of time by performing all operations from any computer with internet access Profitability: due to a more effective use of financial resources, investment flows, financing, cash and payment management are expedited. Personalization: this service is available in 3 different languages (English, Spanish and local language)

25 International Branches Contact Information Morocco Poland - Warsaw Casablanca Boulevard d Anfa, Casablanca Maroko Tel.: Fax: Marruecos@lacaixa.com SWIFT Code: CAIX MA MC XXX Tanger Office Building S.A.R.L Angle Av. Med V et Av. Victor Hugo 4ème étage Nº Tanger-Maroc Tel: Fax: ul. Prosta Warszawa Polska Tel.: Fax: Polonia@lacaixa.com SWIFT Code: CAIX PL PW XXX

26 In business, we re always at your side.

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