1. Delivering different services through the mobile Pol Navarro (@polnavarro) – Head of Direct Channels and Innovation London, June 2011 The Future of Mobile Banking – Marketforce & IEA

2. Who’s Banco Sabadell? Multichannel banking group in Spain Focused on commercial banking More than 1.300 branches and 2.5 million customers

3. Who’s Banco Sabadell?

4. Mobile?

6. Mobile > Desktop by 2014 … Mary Meeker: “Mobile Users will surpass Desktop Users by 2014”

7. … or before? People Are Spending More Time In Mobile Apps Than On The Web

8. Is Mobile in your top priorities? Eric Schmidt: “ You should always put your best team and your best app on your mobile app.”

9. Why Apps? Apps: “Share of pocket” for current and new customers

10. Why Apps? Apps: An extension of your brand and customer experience

11. Banco Sabadell mobile banking

18. Our experience

19. BS Mobile – Strong promotion of the service

20. BS Mobile – Strong promotion of the service

21. BS Mobile – Strong promotion of the service

22. BS Mobile – Listen to your customers

23. BS Mobile – Listen to your customers

24. BS Mobile – High usage by our customers Most used phones iPhone / iPad 63% BlackBerry 16% Nokia / Android 13% Active users 2011 14% of online banking customers Target 2013 30% of online banking customers

25. The future?

26. The future? Context Discovery Payments Everywhere

27. The future? – Context @rshevlin

28. The future? – Discovery

29. The future? – Discovery

30. The future? – Payments

31. The future? – Everywhere

32. Thanks! Thanks for your attendance Pol Navarro Gonfaus Head of Direct Channels and Innovation NavarroP@bancsabadell.com @polnavarro