2022-24 Strategic Plan Update

4Q 23 P&L AND BALANCE SHEET Strong commercial activity throughout the year -in a highly competitive environment FOCUS ON CLIENTS AND COVERING THEIR BANCASSURANCE NEEDS FY23 vs. FY22, in % +1.3% # of Clients with income flows paid into CaixaBank deposits (2)(3) +15.5% Mobilisation of sustainable finance(7) "DÍA A DÍA" ESG +3.1% BPI segment loan-book (6) BPI +8.5% Long-term savings(4) WEALTH MANAG. PROTECTION INSURANCE 20.1M clients(1) +9.6% Total protection insurance premia (2)(5) +2.0% "DISFRUTAR DE LA VIDA" Consumer loan-book (6) BUSINESSES +2.2% Business loan-book (6) INCREASED RELATIONAL CLIENT BASE % of relational individual clients (8) (Spain) 71.5% 70.4% YE22 +1.2% YE23 HIGHER BUSINESS VOLUMES €Bn 963 974 ■Performing loans Customer funds 351 344 611 630 YE22 YE23 UROMINE כת BANK ANARD BEST DIGITAL BANK CaixaBank AWARD 2022 FINANCE FINANCE AWARDS 2023 FINANCE (1) Clients in Spain and Portugal. (2) CaixaBank ex BPI. (3) Including payrolls, pensions, unemployment benefits and other professional income flows. (4) Customer funds in savings insurance, mutual funds (including portfolios and SICAVS), and pension plans. (5) Earned premia. Includes VidaCaixa life-risk premia plus SegurCaixa Adeslas non-life premia sold through the bancassurance network. (6) Performing loan-book. (7) Refer to the Appendix (Glossary) for the definition. (8) Individual clients with 3 or more product families. 32

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