Article: MOODY'S CHANGES OUTLOOK ON CAIXA PENEDES' BFSR TO NEGATIVE AFFIRMS DEBT RATINGS

Madrid, 14 December 2007 -- Moody's InvestorsService has today put on negative outlook the C Bank Financial StrengthRating (BFSR) of Caixa d'Estalvis del Penedes (Caixa Penedes) andaffirmed the A2/ Prime-1 senior debt and deposit ratings, with a stableoutlook. "The outlook change on the BFSR reflects the negative trends in CaixaPenedes' asset quality, which are primarily driven by the retail and SMEsegments. Continuation of the trends would weaken the savings bank'sshock absorption capacity in the current more challenging operatingenvironment," says Maria Cabanyes, a Moody's Senior Vice President. Moody's also notes that, although the risk profile of Caixa Penedes'exposure to the overheated ...

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