Investor Presentaiton

CAJA RURAL DE NAVARRA This document should not be distributed in the United States or to U.S. persons as defined in Regulation S of the U.S. Securities Act of 1933, as amended CAJA RURAL DE NAVARRA -COVID19-IMPACT Sectors exposure to impacts of coronavirus vary. EMEA conronavirus heat map. HIGH EXPOSURE MODERATE EXPOSURE Automotive and auto suppliers Chermicals Apparel LOW EXPOSURE Building materials Manufacturing . Construction Retail (non-food) . Oil and gas • Technology services ⚫ Passengers arilines Steel production Real state Tourism/Lodging/Cruise Global shipping • Metals & Mining ⚫ Retail (food) Services companies Telecoms Consumer durables ⚫ Media Restaurants Gaming . Leisure & entertainment · Education services Source Moody's Investors Service. ⚫ Beverages 1 Data as of 3Q2020. 2020 Credit and Sustainability Framework CRN . Defense LOW Utilitties Packaging Pharmaceuticals Healthcare services Corporate Sector Risk to COVID-19 loan book impact¹ MODERATE HIGH CRN is heavily oriented to those sectors identified by Moody's as "low" or "medium" exposure to Covid-19. TOTAL corporate loan exposures TOTAL loan exposures Corporate exposure (millions of €) Share of corporate exposures Share of total loan exposures a 2,562 64.0% 2.,9% b 796 19.9% 9.3% C 643 16.1% 7.5% 4,001 8,570 a) of which 11.28% have a 60%-80% State guarantee of the granted loan amount. b) of which 20.44% have a 60%-80% State guarantee of the granted loan amount. c) of which 17.03% have a 60%-80% State guarantee of the granted loan amount. 15

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