Investor Presentaiton

• Source: Instituto Nacional de Estadística (INE) CAJA RURAL DE NAVARRA Operational Environment Regional data GDP/capita (2021) 35,000 30,000 25,000 20,000 15,000 10,000 5,000 SPAIN AND ARA AST BAL CAN CANT CASL CASLM CAT VAL EXT GAL MAD MUR NAVARRE BASQUE C. CEU RIOJA MEL 10% 99 5% 0 GDP per capita well above national average Unemployment rate much lower than the national average Social indicators (poverty and inequality), among the best performers Unemployment rate by Region (2022) 30% 25% 20% 15% SPAIN AND ARA AST BAL CAN CANT CASL CASLM CAT VAL EXT GAL MAD MUR NAVARRE CEU RIOJA BASQUE C. MEL Poverty risk rate by Region (2022) 40% 35% 30% 25% 20% 15% 10% 5% ° SPAIN AND ARA AST BAL CAN CANT CASL CASLM CAT VAL EXT GAL MAD MUR NAVARRE BASQUE C. RIOJA CEU MEL Caja Rural de Navarra Investor Presentation 16 2/7 OPERATIONAL ENVIRONMENT

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