1. Banks education and response to the use of web 2.0 technologies Pro-Active Channeling in Finance 2008 BancoSabadell Pol Navarro, Head of Innovation 21th February 2008

2. ¿Who is Banco Sabadell?

3. Banco Sabadell. Highlights Fourth largest banking group in Spain (1) Focused on commercial banking Top player in SMEs and affluent (2) clients segment (1) In terms of total assets excluding savings banks. (2) Individuals with annual net income >€60,000.

4. Banco Sabadell. Milestones 1965 1988 2001 2004 2007 1881 1978 1996 2003 2006 Sabadell Atlántico BancoHerrero Solbank ActivoBank BancoUrquijo Foundation: 127 businessmen and traders to finance the local industry Local Expansion into nearby towns International Expansion: first foreign branch in London Equity management and private banking

5. Multibrand, Multichannel …

6. Web 2.0 ???

7. Web 2.0

8. Web 2.0 The web it’s not going to change… because it already did Web 2.0 is the Web of today and businesses are already in this phenomenon

10. Why? Combat exposure  Radical transparency Why?

11. Impacts in society Relationships “ Digital natives”

12. Impacts in society Relationships But not just for “Digital natives”

13. Impacts in business Communication Power of your costumers

14. Power of your customers

15. Power of your customers

17. Our experience

18. Our experience Blogs New formats of communication

19. Our experience New formats of communication RSS

20. Our experience New formats of communication Twitter

21. Our experience New formats of communication

22. Our experience New formats of communication Information request and mobile video download

23. Our experience First steps in social networks

24. Our experience First steps in social networks

25. Our experience First steps in social networks + Coming next

26. Our experience mashup widget New services

27. Our experience Product customization

28. Our experience Product customization

29. Our experience Product customization

30. Our experience Product customization

31. Our experience Product customization Coming next +

32. Working on Our experience Time to refresh your online banking?

33. Working on Our experience From “online banking” to “social banking” (tagging, collaboration, etc.)

34. Working on Our experience Expand your frontiers  Move where relations (or business) are occurring

35. Keep an eye

37. On-line services personalization Personal banking homepage

38. Marketing 2.0

39. Marketing 2.0

40. Marketing 2.0

41. Marketing 2.0

42. Mobile 2.0 Google Android New mobile experiences iPhone

44. Thanks for your attendance Pol Navarro Gonfaus Head of Innovation [email_address] Thanks!

45. www.bancosabadell.com SabadellAtlántico BancoHerrero Solbank Banco Urquijo ActivoBank