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Investor Presentaiton

Navarra is a stable region RATING S&P analysis •Navarra's high fiscal autonomy and sound finantial management make it more resilent in a stress scenario than Spain. •Navarra does not participate in spain's equalization system for funding regions. •Navarra's economy is wealthier, more competitive and more export-oriented than Spain and competitive industry, focused on internationally diverse markets, which partly mitigates its high concentration on Spain's economy. •Robust revenue growth and cost containment are helping reduce debt while strengthening Navarra's liquidity cushion. S&P has manteined the assessment of Navarre's stand-alone credit profile (SACP) at 'aa-'. The SACP is a meaure of the intrinsic creditworthiness before taking into account any constrained arising from the sovereign rating. 48 Nafarroako Gobernua Gobierno de Navarra
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