2022-24 Strategic Plan Update

4Q 23 P&L AND BALANCE SHEET Positive new lending dynamics in Q4 -with higher yields New lending - €Bn (Group ex BPI) LOAN FB YIELDS In bps (2) Business lending (1) Consumer lending Mortgages +0.8% +2.3% 9.3 2.6 2.6 9.2 2.2 +21.3% 218 190 2.7 CaixaBank 475 FY21 PF FY22 FY23 9M23 quarterly average 4Q23 9M23 quarterly average 4Q23 9M23 quarterly average 4Q23 484 bps +169 bps vs. 4Q22 4Q23 (1) Includes Business Banking, RE business, Corporate Banking in Spain and International Branches. Includes loans and credit facilities (excludes working capital). (2) Group ex BPI. Yields are compiled from long-term lending production data (loans and credit facilities, including those that are syndicated) of CaixaBank, S.A., MicroBank; excluding public sector. FY21 PF includes 1Q21 of Bankia. 36

View entire presentation