SEPA Direct Debits indicator evolution (Spanish basic indicator vs Euro area)

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1 Payment Systems Department Settlement Systems Analysis Division STATISTICS SEPA INDICATORS 100,00% 90,00% 80,00% 70,00% 60,00% 50,00% 40,00% 30,00% 20,00% 10,00% 0,00% SEPA Direct Debits indicator evolution (Spanish basic indicator vs Euro area) jan feb mar apr may jun jul aug sep oct nov dec jan feb mar apr may jun jul aug sep oct nov dec jan feb mar abr may jun jul ,0% 95,0% Basic Indicator (Spain) Basic Indicator (Euro area) SOURCE: BCE, Iberpay and BE. a. Basic indicator (Spain) shows the share of SEPA direct debits sent through the SNCE as a percentage of the total volume of direct debits sent through this system. b. Basic indicator (Euro area) shows the share of SEPA direct debits sent through the clearing and settlement infrastructures located in the euro area, as a percentage of the total volume of direct debits sent through these systems. SEPA CARDS STATISTICS INDICATORS Spanish EMV migration evolution 70% 60% 50% 40% 30% 20% 10% 0% jun sep dec mar jun sep dec mar jun sep dec mar jun sep dec mar jun sep dec mar jun sep dec mar jun sep dec mar jun sep dec mar % 95% Cards POSs ATMs SOURCE: Spanish cards schemes

2 SEPA credit transfers sent by Spanish credit institutions and processed by Iberpay Distribution of SEPA credit transfers processed by Iberpay SEPA credit transfers sent from Iberpay to other CSMs (Distribution in percentage) 98% 96% 94% 92% 88% 86% 84% 82% 0,7% 99,3% 70% 60% 50% 40% 30% 20% 10% 0% 1,7% 9,8% 7,4% 81,1% Processed through Iberpay's SNCE 013 sub-system Sent from Iberpay to other CSMs to STEP 2 to Equens to BUBA to KIR SEPA credit transfers processed by Iberpay (Year 2013) Iberpay/ BUBA link ,1% SNCE 013 sub-system ,3% Iberpay/ Equens and KIR links ,1% Iberpay/ STEP 2 link ,6% SOURCE: Iberpay

3 SEPA credit transfers received by Spanish credit institutions and processed by Iberpay Distribution of SEPA credit transfers received by Iberpay SEPA credit transfers received by Iberpay from other CSMs (Distribution as percentage) 98% 96% 94% 92% 88% 86% 84% 82% 1,8% 98,2% 70% 60% 50% 40% 30% 20% 10% 0% 3,1% 5,5% 91,0% received from Spanish institutions (processed by Iberpay's SNCE 013 sub-system) * received by Iberpay from other CSMs (*) This figure is the same as the number of SEPA credit transfers sent by Spanish credit institutions through Iberpay's SNCE 013 sub-system from STEP 2 from Equens from BUBA SEPA credit transfers processed by Iberpay (Year 2013) SNCE 013 subsystem ,1% Iberpay/ Equens and KIR links ,1% Iberpay/ BUBA link ,1% Iberpay/ STEP 2 link ,7% SOURCE: Iberpay

4 Geographical breakdown of SEPA credit transfers processed by Iberpay and sent to/received from other CSMs YEAR 2014 (aggregated data up to June 2014) (Distribution in percentages) Transactions sent Transactions received Sent to Volume % Received from Volume % Spain ,17% Spain ,34% Germany ,13% Germany ,47% France ,70% United Kingdom ,32% Italy ,08% France ,61% Netherlands ,81% Netherlands ,34% Portugal ,57% Italy ,21% Romania ,12% Belgium ,67% United Kingdom ,87% Portugal ,40% Belgium ,31% Poland ,51% Poland ,30% Romania ,09% Rest of countries ,96% Rest of countries ,05% ,00% ,00% 1.31% 1.67% 1.87% 11.32% 2.81% 4.34% 9.13% 21.47% 1.30% 0.51% Rest of countries 4.96% 6.05% 5.70% 10.61% 2.12% 0.09% 4.08% 2.57% 1.40% 64.17% 40.34% 2.21% % of SCTs sent to the relevant country through Iberpay's link % of SCTs received from the relevant country through Iberpay's link

5 Geographical breakdown of SEPA direct debits processed by Iberpay and sent to/received from other CSMs YEAR 2014 (aggregated data up to June 2014) (Distribution in percentages) Transactions sent Transactions received Sent to Volume % Received from Volume % Spain ,24% Spain ,15% Portugal ,37% Germany ,07% France ,14% Belgium ,98% Germany 887 0,10% United Kingdom ,73% Italy 882 0,10% Netherlands ,27% Belgium 206 0,02% Austria ,79% Austria 184 0,02% Portugal ,35% Netherlands 60 0,01% France ,26% United Kingdom 45 0,00% Italy ,03% Rest of countries 80 0,01% Rest of countries ,36% ,00% ,00% 0.02% 3.98% 0.00% 3.73% 0.01% 1.27% 0.10% 44.07% Resto de países 0.01% 0.36% 0.14% 0.26% 0.10% 0.02% 0.79% 28.37% 0.35% 71.24% 45.15% 0.03% % of SDDs sent to the relevant country through Iberpay's link % of SDDs received from the relevant country through Iberpay's link

6 Total card transactions Cash withdrawals at ATMs in Spain Payment transactions at POS terminals in Spain millions millions volume volume Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 200 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q debit card transactions credit card transactions debit card transactions credit card transactions Note: Transactions made at devices in Spain with cards issued in Spain Cash withdrawals at ATMs in Spain in relation to total t cash withdrawals at ATMs Payment transactions ti at POS terminals in Spain in relation to total t payment transactions ti at POS terminals 99,40% 99,00% 99,20% 98,00% 97,00% 99,00% 96,00% 98, 95,00% 94,00% 98,60% 93,00% 92,00% 98,40% 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q ,00% 90,00% 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q debit card transactions credit card transactions debit card transactions credit card transactions SOURCE: Spanish card schemes

7 Transactions at EMV devices with EMV cards issued in Spain 86,00% 76,00% 66,00% 56,00% 46,00% 36,00% 26,00% 16,00% 6,00% Cash withdrawals at EMV ATMs with EMV cards Debit card transactions (percentage) 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 91,50% 81,50% 71,50% 61,50% 51,50% 41,50% 31,50% 21,50% 11,50% Cash withdrawals at EMV ATMs with EMV cards Credit card transactions (percentage) 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q % of transactions at EMV ATMs in Spain with EMV cards issued in Spain % of transactions at any EMV ATM with EMV cards issued in Spain % of transactions at EMV ATMs in Spain with EMV cards issued in Spain % of transactions at any EMV ATM with EMV cards issued in Spain SOURCE: Spanish card schemes Debit card transactions (volume in millions) Credit card transactions (volume in millions) 1Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q-2013 Cash withdrawals at ATMs in Spain with cards issued in Spain Cash withdrawals at EMV ATMs in Spain with EMV cards issued in Spain % of cash withdrawals at EMV ATMs in Spain with EMV cards issued in Spain 132,68 140,20 142,80 142,04 126,70 130,30 128,45 129,93 118,67 125,37 121,79 121,34 110,83 122,45 115,68. 89,79 97,34 98,98 103,87 97,76 105,11 103,45 105,83 97,22 102,21 99,00 100,91 91,34 96,20 101,40 30,30 47,50 60,82 82,71 88,81 97,88 102,08 111,89 100,40 113,06 109,95 103,75 92,65 108,91 98,42. 36,87 44,14 49,84 61,22 75,36 86,66 87,12 90,24 83,03 87,63 85,33 85,91 75,15 81,33 86,88 22,84% 33,88% 42,59% 58,23% 70,10% 75,12% 79,47% 86,12% 84,60% 90,19% 90,28% 85,51% 83,60% 88,95% 85,08%. 41,07% 45,35% 50,35% 58,94% 77,09% 82,45% 84,22% 85,27% 85,41% 85,74% 86,20% 85,13% 82,27% 84,55% 85,69% Cash withdrawals at any ATM with cards issued in Spain 133,83 141,31 144,36 143,23 127,77 131,37 129,93 131,09 119,71 126,40 123,12 122,41 111,79 123,42 117,01. 90,88 98,48 100,45 105,25 99,06 106,48 104,98 107,05 98,29 103,30 100,25 101,98 92,30 97,20 102,62 Cash withdrawals at any EMV ATM with EMV cards issued in Spain % of cash withdrawals at any EMV ATM with EMV cards issued in Spain 30,43 47,72 61,33 83,20 89,33 101,05 103,01 112,59 101,02 113,76 110,89 104,47 93,30 109,63 99,42. 37,18 44,59 50,49 61,98 76,15 87,74 88,09 91,00 83,67 88,35 86,14 86,58 75,77 82,03 87,74 22,74% 33,77% 42,48% 58,09% 69,92% 76,92% 79,28% 85,89% 84,39% 89,99% 90,06% 85,34% 83,45% 88,83% 84,97%. 40,91% 45,28% 50,26% 58,89% 76,87% 82,40% 83,92% 85,00% 85,13% 85,53% 85,93% 84, 82,09% 84,39% 85,50%

8 Payment transactions at EMV POS terminals with EMV cards Debit card transactions (percentage) Payment transactions at EMV POS terminals with EMV cards Credit card transactions (percentage) 78,00% 63,00% 63,00% 48,00% 48,00% 33,00% 18,00% 33,00% 18,00% 3,00% 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 3,00% 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q % of transactions at EMV POS terminals in Spain with EMV cards issued in Spain % of transactions at any EMV POS terminal with EMV cards issued in Spain % of transactions at EMV POS terminals in Spain with EMV cards issued in Spain % of transactions at any EMV POS terminal with EMV cards issued in Spain SOURCE: Spanish card schemes Debit card transactions (volume in millions) Credit card transactions (volume in millions) Payment transactions at POS terminals in Spain with cards issued in Spain 1Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q Q ,61 231,56 247,02 252,93 236,49 248,54 260,46 264,24 251,73 255,44 266,19 260,58 246,27 263,29 289, ,67 300,09 305,64 309,66 287,86 308,47 311,13 315,43 299,14 303,30 307,28 307,44 291,49 303,92 304,83 Payment transactions at EMV POS terminals in Spain with EMV cards issued in Spain % of transactions at EMV POS terminals in Spain with EMV cards issued in Spain 32,32 42,50 69,75 116,72 134,10 156,04 181,98 197,90 197,01 205,00 217,15 214,74 204,40 223,95 245,56. 42,79 64,78 85,83 115,94 136,15 163,48 182,81 195,23 187,44 196,70 203,28 206,57 195,38 204,41 209,38 14,33% 18,35% 28,24% 46,15% 56,70% 62,78% 69,87% 74,89% 78,26% 80,25% 81,58% 82,41% 83,00% 85,06% 84,91%. 15,47% 21,59% 28,08% 37,44% 47,30% 53,00% 58,76% 61,89% 62,66% 64,85% 66,16% 67,19% 67,03% 67,26% 68,69% Payment transactions at any POS terminal with cards issued in Spain Payment transactions at any EMV POS terminal with EMV cards issued in Spain % of transactions at any EMV POS terminal with EMV cards issued in Spain 234,17 240,18 258,34 264,44 248,08 260,26 275,12 278,84 266,03 269,95 283,11 277,20 263,67 281,35 311, ,53 316,02 326,16 327,76 305,10 326,93 334,29 335,90 318,38 323,98 331,50 329,42 313,31 326,87 332,27 32,83 43,28 71,80 118,97 136,43 162,06 186,18 201,18 200,05 208,35 222,13 218,54 207,79 227,53 251,30. 44,23 66,92 90,04 119,92 140,03 170,07 189,94 200,32 191,79 201,83 210,47 211,85 200,10 209,73 217,28 14,02% 18,02% 27,79% 44,99% 54,99% 62,27% 67,67% 72,15% 75,20% 77,18% 78,46% 78,84% 78,81% 80,87% 80,79%. 15,17% 21,18% 27,61% 36,59% 45, 52,02% 56,82% 59,64% 60,24% 62,30% 63,49% 64,31% 63,87% 64,16% 65,39%