Para concatenar un nombre y sus apellidos dejando un espacio en blanco entremedias se usa la instrucción STRING tal y como se indica a continuación:
IDENTIFICATION DIVISION.
PROGRAM-ID. CONCATENAR-NA.
AUTHOR. DESCONOCIDO.
ENVIRONMENT DIVISION.
DATA DIVISION.
WORKING-STORAGE SECTION.
01 WHOLE-NAME PIC X(25).
01 FIRST-NAME PIC X(25).
01 MIDDLE-NAME PIC X(25).
01 LAST-NAME PIC X(25).
PROCEDURE DIVISION.
MAIN-STREET.
MOVE 'GEMA' TO FIRST-NAME.
MOVE 'FERNANDEZ' TO MIDDLE-NAME.
MOVE 'TEJEDOR' TO LAST-NAME.
STRING FIRST-NAME DELIMITED BY SPACE
' ' DELIMITED BY SIZE
MIDDLE-NAME DELIMITED BY SPACE
' ' DELIMITED BY SIZE
LAST-NAME DELIMITED BY SPACE
INTO WHOLE-NAME.
DISPLAY WHOLE-NAME.
STOP RUN.