CaixaBank : files video webcast presentation on its 3rd quarter results for 2016.

28th October, 2016

The purpose of this presentation is purely informative and should not be considered as a service or offer of any financial product, service or advice, nor should it be interpreted as, an offer to sell or exchange or acquire, or an invitation for offers to buy securities issued by any of CaixaBank, S.A. ("CaixaBank") or of any the companies mentioned herein. The information contained herein is subject to, and must be read in conjunction with, all other publicly available information. Any person at any time acquiring securities must do so only on the basis of such person's own judgment as to the merits or the suitability of the securities for its purpose and only on such information as is contained in such public information set out in the relevant documentation filed by the issuer in the context of such specific issue having taken all such professional or other advice as it considers necessary or appropriate in the circumstances and not in reliance on the information contained in this presentation.

CaixaBank cautions that this presentation might contain forward-looking statements concerning the development of our business and economic performance. Particularly, the financial information from CaixaBank Group for the first nine months of 2016 related to results from investments has been prepared mainly on the basis of estimates. While these statements are based on our current projections, judgments and future expectations concerning the development of our business, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from our expectations. Such factors include, but are not limited to the market general situation, macroeconomic factors, regulatory, political or government guidelines and trends, movements in domestic and international securities markets, currency exchange rates and interest rates, changes in the financial position, creditworthiness or solvency of our customers, debtors or counterparts.

Statements as to historical performance, historical share price or financial accretion are not intended to mean that future performance, future share price or future earnings for any period will necessarily match or exceed those of any prior year. Nothing in this presentation should be construed as a profit forecast.

In particular, regarding the data provided by third parties, neither CaixaBank, nor any of its administrators, directors or employees, , either explicitly or implicitly, guarantees that these contents are exact, accurate, comprehensive or complete, nor are they obliged 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 by any means, CaixaBank may introduce any changes it deems suitable, may omit partially or completely any of the elements of this document, and in case of any deviation between such a version and this one, CaixaBank assumes no liability for any discrepancy.

In relation to Alternative Performance Measures (APMs) as defined in the guidelines on Alternative Performance Measures issued by the European Securities and Markets Authority on 30 June 2015 (ESMA/2015/1057), this report uses certain APMs, which have not been audited, for a better understanding of the company's financial performance. These measures are considered additional disclosures and in no case replace the financial information prepared under IFRS. Moreover, the way the Group defines and calculates these measures may differ to the way similar measures are calculated by other companies. Accordingly, they may not be comparable. Refer to the quarterly report for a list of the APMs used, along with reconciliation between certain management indicators and the indicators presented in the consolidated financial statements prepared under IFRS.

This document has not been submitted to the Comisión Nacional del Mercado de Valores (CNMV - the Spanish Stock Markets regulatory authority) for review or for approval. Its content is regulated by the Spanish law applicable at the date hereto, and it is not addressed to any person or any 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.

Notwithstanding any legal requirements, or any limitations imposed by CaixaBank which may be applicable, permission is hereby expressly refused for any type of use or exploitation of the content of this presentation, and for any use of the signs, trademarks and logotypes contained herein. This prohibition extends to any kind of reproduction, distribution, transmission to third parties, public communication or conversion by any other mean, for commercial purposes, without the previous express consent of CaixaBank and/or other respective proprietary title holders. Any failure to observe this restriction may constitute a legal offence which may be sanctioned by the prevailing laws in such cases.

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3Q 2016 Highlights

• NII growing as guided (+1.8% qoq)

• Fees grow despite adverse seasonality (+2.7% qoq)

• Lower recurrent costs (-0.4% qoq) with further restructuring in 3Q (€121M extraordinary)

• LLPs down 14.2% qoq reduce CoR to 0.42%(1)

• Higher bancassurance earnings (+8.0% qoq) and lower non-core RE segment losses (-23.2% qoq)

• RoTE from bancassurance segment increases to 11% (10% in 1H16)

• A seasonal quarter: client funds (+1.0% ytd/-1.6% qoq); performing loans (+0.3% ytd/-1.3% qoq)

• Continuing good performance in insurance and AuM (+6.7% ytd/+4.7% qoq)

• Production of consumer loans (+44% 9M16 yoy) supports higher loan spreads

• Margin discipline: deposit FB yields at 6 bps (-3bps qoq); loan FB yields at 320 bps(2) (+7bps qoq)

  3 Faster pace in NPA reduction

• NPL reduction accelerates (-11.1% ytd/-5.6% qoq) with ratio down to 7.1%

• OREO stock trending down (-2.6% ytd/-1.0% qoq)

• Profits on RE sales continue (2% over sale price in 3Q)

  4 BPI pre-funding and organic capital grow solvency metrics

• Growing capital organically (15 bps qoq/36 bps ytd)

• Sale of treasury stock reinforces capital ratios (CET1 FL at 12.6%/Total Capital FL at 15.8%) to maintain CET1 within target post BPI takeover

• Capital strength underscored by 2016 stress test exercise

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• Trailing 12 months.

• Loans to the private sector

  9M 2016 Results

   BPI update

  • Commercial activity

  • Financial results

  • Asset quality

  • Liquidity & Solvency

  • Final remarks

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