A new way of doing real estate.

A new way of doing real estate.

More than a servicer | 4

Your real estate partner | 8

The trust of our customers | 20

The Solvia Commitment | 22

Solvia means putting people before properties; it means accompanying rather than selling; it means taking care of every detail so that you can be carefree; it means turning the tables on the present moment; and above all, it means being aware of and faithful to our own particular way of doing things.

Solvia means viewing things differently and investing in a new model for the real estate sector.

And that is why we are the leading servicer on the market.

4

retailinvestment

mar

kets

residential commercial

logistics industrialas

sets

soldunits

Data at the end of 2014

Source: information published in the media

all-inclusive serviceMarketing and SalesAfter-Sales Service Asset Management

Promotion and DevelopmentDebt Recovery

Asset RepossessionAdvisory

Solvia

Anida

Servihabitat

Altamira

Haya

Aliseda

Bankinter

16,172

14,390

13,794

11,615

10,650

8,600

1,589

More than a servicerSolvia is more than a real estate servicer. Working as a team at the service of the public since 2010, we have concerned ourselves with covering the needs of the complete real estate cycle based on integral management. An irrefutable benchmark in the sector, Solvia is the absolute leader in terms of sales volume in Spain, with sustained growth in both

retail and investment markets. Moreover, Solvia covers the full range of property assets: residential, commercial, logistics and industrial.

Solvia is a consolidated brand, well positioned and widely acknowledged by both sector professionals and final clients.

+550profesionals

working to achieve maximum client satisfaction

of the highest level

7

Award of the Sareb Ibero project properties

2014

Leading servicer with +€30 billionin managed assets

2015

+3,638dwellings developed

2011

Development of capacities and processes, investment in IT and branding

Start of servicing activity for third parties

2012

€3.12 billion in sales volume

2013+50,000

+10,000

in assets under management

in financial assets under management

maintenance actions

on properties per year

properties sold

+71,000rentals

under management

+€30billion

+€5.3billion

8 9

01. 02.

03.

04.

05.

3.638dwellings developed

promotion and development

03.

71,000properties sold

90,000leads per quarter

marketing and sales01.

asset management02.

development of investments

55,000evaluations per year

05.

€6.2 billionin land assets under management

17,000assets loaded onto the management platform

130,000assets under management

+50,000property maintenance operations per yearYour real estate partner

We are the partner that offers you turnkey services, providing confidence, solutions and satisfaction.

Our experience, our vocation to innovate, our management capacity, our brilliant results… and above all, our tremendous enthusiasm, enable us to offer you an all-inclusive service today.

We are the leading servicer in sales, thanks to our multi-channel strategy and our widely acknowledged personal assessment. We are a benchmark in terms of asset management, offering all-inclusive services in administration, management and asset maintenance, thanks to our leading technological platform and extensive experience.

We are also your partner for the promotion and development of assets, placing the whole of our expertise at your disposal, from the transformation of the ground to project management services and the turnkey promotion of projects, financial asset management, assuring cash conversion in the shortest possible term, along with investment development, thanks to a rigorous methodology based on our actual experience and knowledge of local market prices. €5.3 billion

loans managed92%NPL (non performing loans)

04. financial asset management

10

sales reps and agentsOwn network and third parties

channel officesAgents

contact center

web

+ specialised channels: foreigners, rentals, singular (investors, funds…)

multi-channel model

open platform

territorialmanagement

A system based on maximum flexibility that permits different options for free competition between our own network of sales reps and our external, and officially approved sales reps and agents.

Providing close working knowledge of each micro-market and allowing for the implementation of each client’s commercial policies.

real estate agents

Our authentic vocation: helping people find what they are looking for.

This is why at Solvia we have established the figure of the personal advisor, to accompany our clients throughout the process and to offer them real opportunities to acquire the property that they are looking for.

Moreover, we also have a multi-channel model that focuses on key segments and a pricing strategy that includes systematic adjustment, a mixed model of sales forces via an open platform and a territorial structure, that has enabled us to achieve excellence and maximise client value in the sale of our properties.

01. Your partner in sales

12 13

migration+130,000assets under management

17,000assets loaded to the ERP per year 8 migrations

management of

management of

incidentsand claims

adaptation

assets prepared

+12,000

maintenance

maintenance actions preventive or corrective, carried out per year

+50,000

rentalscontracts drawn up+10,000

accountingand reporting

payment of taxes and community expenses

+100,000portfolio

2+2 is 4.3+2 is 5.

But by leaving the management of all your assets in our hands, 1+1 can be far more than 2. Because we have a full range of measures for the handling of any kind of real estate operations, because we have the capacity to make all the arrangements

in a unified way and because we do our best to ensure that your operations will always yield the very best results.

At Solvia, we offer you all- inclusive maintenance services. Provided via the most advanced platform on the market for the management and administration of properties. This means that today we can guarantee you the best service around.

02. Your partner in asset management

for sale per year

14

Options for collaboration

delegated promotion

Solvia as the delegated promoter CAPEX closed for the owner

Possibility of sale by Solvia, including the total or partial transfer of risk

promoter services

Solvia as a service provider Subcontracting by the owner

or Solvia (open book)

Inve

stor

s

Solvia

At Solvia, we want to create the home of the future: Flexible dwellings that can be adapted to the owner’s life cycle and the social, demographic, economic and environmental changes that these new family models and behaviours are going to generate. Houses that will adapt to the people who live in them, rather than the other way round. Homes built on the basis of innovation and the highest levels of quality and energy efficiency.

Land developmentWe are experts in land transformation programs, based on market potential:—Promotion—Management—Reaction—Dormancy

PromotionWe offer you our project management or delegated promotion services for the development of assets:—Residential for sale—Residential for rent—Commercial / Hotel —Logistics / Industrial

03. Your partner in promotion and development

16 17

end-to-end service

proximity

Study and evaluation of collaterals by real estate experts.

Solvency analysis of creditors, by financial experts.

Optimisation of management times, with the goal of achieving cash conversion in the shortest possible time.

Development of action plans based on knowledge of creditors and their collateral, setting out policies of recovery for the whole of the outlay.

evaluationdevelopment of overall action plans

cash conversion in the shortest term

1 2 3

gest

or

Maximum number of(non-contentious) clients

100

Maximum volume per manager

€300 milion

Assignment of a manager based on geographic proximity

to be closer to our clients

4 regional areas

Solvia led the change in the model for the real estate sector, and this meant addressing the new needs and demands of the market.

As a result, we are now the leading experts in managing the full range of financial assets.

Our goal: to achieve maximum efficiency in the management of collaterals, along with maximum profitability and the reduction of the required management times.

Today, through our best practices, we have acquired the capability to provide an end-to-end service to companies with loans to developers and mortgage credit portfolios, based on our own methodology.

04. Your partner in financial asset management

18 19

We are specialists in the evaluation of large volume and diverse portfolios

We design management strategies

We provide accompaniment in any

asset acquisition process

We provide assistance for the presentation of tenders: bidding

processes, private auctions, single or multi-bidders.

We provide tax consultancy: from real estate asset portfolio optimisation

purchases to pre-purchase reports or post-purchase tax adjustments.

strategic asset management

evaluations

sales process assistance

We have a specific and rigorous methodology for the evaluation of large residential asset portfolios, using our own statistical and comparative tools

based on the latest similar transactions.

We perform complete evaluations of commercial real estate assets.

We put together business plans and sensitivity analyses based on our

own methodology.

We draw up feasibility studies on any kind of activity and take charge of their

development.

We define rationalisation and divestment plans, focussing on the

maximisation of profitability.

Our extensive knowledge of the market and vast experience in real estate assets and financial management allow us, at the present time, to offer a solid, meticulous and precise consultancy service that is unique in the sector.

Our effective evaluation models are based on actual prices, calculated on the basis of our own sales. We make over 50,000 evaluations a year, and, as a result, today we are the leading consultants specialised in:

—Evaluations—Strategic asset management—Sales process assistance

05. Your partner in investment development

20 21

Barcelona —Cornestone Building 22@

Guadalajara —DHL

Turnkey project, developed by Solvia for Benson Elliot

21,000 m2 of top quality modern offices.

At the time, this was the first office building to have been built in Barcelona since 2008.

Turnkey project developed by Solvia for DHL

50,000 m2 of built-up logistics surface area.

A first-rate facility for the world’s leading logistics company.

Own development

Building of spectacular height and design quality: 62 dwellings plus 68 parking spaces.

All the dwellings were spoken for within just 3 days of publication, through different launches and with remarkable price increases.

Handover is scheduled during the last quarter of 2015.

Barcelona —Sancho de Ávila

Our best reference: the trust of our customers

22 23

dissemination and leadershipBecause we know how important it is, not only to do things right, but to communicate. Solvia is the most widely recognised brand among servicers, with the leading real estate portal. The awards that we have won in Spain’s most prestigious creativity and communications competitions, such as the LAUS, EFI and Rombos, along with our sector report, the “Solvia Market View”, are just a few examples of our determination to continue disseminating and leading our new way of experiencing the real estate sector.

interest groupsBecause we care about people, above all. We get closer to go much further. The only way for us to work comfortably is to be open, direct and approachable with our clients. That is why we have created the figure of the personal advisor and uphold this commitment throughout our entire value chain.

innovationBecause innovation is the factor that sets a leader apart from the rest. In order to offer the market our unique way of doing things: from constructive system to final product, pinning our faith on dwellings that adapt to the family’s life cycle, with high energy efficiency and cutting-edge smart-home technology solutions.

environment and societyBecause we are part of a whole called the world. Because we take great interest in what the dwellings of the future are going to be like and the needs of the people who live in them. A question that perpetually seeks an answer and which is constantly progressing at the service of society’s changing demands and the new possibilities offered by science and technology. It is for this reason that we research trends and sponsor competitions that promote such developments. Moreover, we put those trends into practice, as is the case of the Sant Andreu de Llavaneres project (InnovaMaresme).

We pledge to continue to improve, day after day, to continue to grow with all of our enthusiasm, to continue to find means rather than excuses, to continue to invest in people and to continue to look further, always, because we believe in a better future for the real estate sector.

In a word, we promise to continue to defend the pillars of our philosophy.

The Solvia Commitment

“It is not the strongest of the species that prospers, nor the most intelligent, but rather the one that best adapts to change”, Charles Darwin told us.

And that is how we see things at Solvia. A team of people who have managed to build a brand, based on innovation, accompaniment of the client, approachability and market reality, fearlessly adapting to the new times and accepting the new game rules by transforming problems into opportunities. And, above all, by creating a brand with a heart.

Our communication has been the means to making our brand well known. Our daily work and our results are the solid facts that prove that our commitment goes far beyond mere words.

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