Investor Presentaiton

CAJA RURAL DE NAVARRA Caja Rural de Navarra CRN and the European Financial Sector Non-Performing Loans 4% 3% 2% 1% 0% Austria Belgium Germany Spain France Italy Netherlands Portugal Coverage Ratio 100% 80% 60% 40% 20% וח ○ Austria Belgium Germany Spain France Italy Netherlands Portugal Source: EBA Risk Dashboard. Data as of Q4 2022. 1/7 COOPERATIVE BANK CRN EU Banks 1 CET1 ratio 20.35% 15.50% CET1 ratio (fully loaded) 19.82% 15.30% CRN NPL ratio 1.99% 1.80% EU Coverage ratio 65.24% 43.40% Efficiency 41.02% 60.60% RoE 8.49% 8.00% Leverage ratio (fully phased-in) 9.49% 5.50% CRN EU Caja Rural de Navarra Investor Presentation |11

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