2022-24 Strategic Plan Update

APPENDIX Glossary (III/VI) Term Definition CaixaBank Gains/losses on disposals & others GGLS HICP HQLA ICO IFRS9 TA IMQ INE Insurance service result Insur.invest. #K LCR Liquidity sources LLCS/LLPs (Loan) Impairment losses and other provisions L/T savings/long-term savings LTD LTV M M&A M-MDA Gains/losses on de-recognition of assets and others. Includes the following line items: Impairment/(reversal) of impairment on investments in joint ventures or associates; Impairment/(reversal) of impairment on non-financial assets; Gains/(losses) on derecognition of non-financial assets and investments, net; Negative goodwill recognised in profit or loss; Profit/(loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations, net. Government guaranteed loans. Harmonised Index of Consumer Prices. High quality liquid assets. Instituto de Crédito Oficial. Spain. IFRS9 Transitional arrangements. IMQ, insurance company. Instituto Nacional de Estadística (Spain) It includes the accrual of the margin on savings insurance contracts, as well as on Unit Linked products, and the recognition of income and expenses from claims corresponding to short term risk insurance. For the entire insurance business, this line item is reported net of expenses directly attributable to the contracts. Insurance investments. # Thousand. Liquidity coverage ratio. Includes total liquid assets (i.e. HQLAS and ECB Deposit Facilities ex HQLAs) plus covered bond issuance capacity. Loan-loss charges/Loan-loss provisions. Allowances for insolvency risk and charges to provisions. Long-term savings: including mutual funds (with SICAVS and managed portfolios), pension plans, and life-ssavings insurance (including unit linked). Loan to deposits: quotient between net loans and advances to customers using management criteria excluding brokered loans (funded by public institutions); and customer deposits on the balance sheet. Loan to Value. Million. Merger & Acquisition. It is used in reference to the merger with Bankia. Maximum Distributable Amount related to MREL. 69

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