2022-24 Strategic Plan Update

4Q 23 P&L AND BALANCE SHEET High-quality net income growth Supported by solid activity and rate normalisation CONSOLIDATED INCOME STATEMENT CaixaBank ЄM Net interest income FY23 % yoy fi 10,113 +54.3% Higher revenues Core revenues up 32% yoy in line with guidance Net fees + insurance revenues(1) 5,023 +1.5% Income from investments (ex insurance investments) (2) 196 -12.0% Trading 235 -28.3% Other operating income/expenses (1,337) +38.9% Improved efficiency Costs aligned with guidance with C/I down to a new historical minimum (40.9%) Gross income 14,231 +28.3% Total operating expenses (5,822) +4.4% Pre-impairment income 8,410 +52.4% CoR remains at low levels (28 bps ttm) and comfortably meeting FY guidance LLPs (1,097) +11.7% Other provisions (248) +91.1% Gains/losses on disposals and other (141) +61.3% Kol Net income growth Tax, minority & other (2,108) +77.0% Net income 4,816 +53.9% Net income up 54% yoy to €4.8 Bn -with % ROTE ttm up to 15.6% (4) Pro memoria Core revenues (3) 15,137 +31.6% (1) Net fees plus insurance service plus equity accounted income from SCA and revenues from other insurance investments. (2) Dividends plus equity accounted income from investments, excluding insurance. (3) NII + net fees + insurance revenues. (4) % ROE ttm at 13.2%. 38

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