2022-24 Strategic Plan Update

APPENDIX Group customer funds and loans CUSTOMER FUNDS (1) Breakdown, €Bn CaixaBank LOAN BOOK(4) Breakdown, €Bn 31 Dec 23 % ytd % qoq 31 Dec 23 % ytd % qoq I. On-balance-sheet funds 463.3 1.2% 1.0% I. Loans to individuals 175.8 -4.4% -0.9% Deposits 385.5 -0.1% 0.6% Residential mortgages 133.3 -4.7% -1.1% Demand deposits 330.8 -8.1% -2.0% Time deposits (2) 54.7 19.7% Other loans to individuals 42.5 -3.3% -0.4% Insurance 74.5 8.0% 1.9% o/w consumer loans (5) 19.9 1.9% 0.6% o/w unit linked 20.0 9.1% 4.3% o/w other 22.6 -7.5% -1.2% Other funds 3.3 24.6% 42.2% II. Off-balance-sheet AuM 160.8 8.7% 3.6% II. Loans to businesses 160.0 2.1% 1.2% Mutual funds, portfolios and SICAVS 114.8 9.7% 3.5% Loans to individuals & businesses 335.8 -1.4% 0.1% Pension plans 46.0 6.2% 3.8% III. Public sector 18.3 -12.0% -6.2% III. Other managed resources 6.2 7.9% 14.5% Total loans 354.1 -2.0% -0.3% Total Customer funds 630.3 3.1% 1.8% Performing loans 344.1 -2.0% -0.4% Long-term savings (3) 235.7 8.5% 3.0% (1) % ytd are like-for-like (that is, versus YE22 figures restated to reflect changes in accounting standards and presentation). (2) Includes retail securities issuances amounting to €1,433M on 31 December 2023. (3) Savings insurance (on-balance-sheet and other managed resources), pension plans and mutual funds (including SICAVS and managed portfolios). (4) As a result of an in-depth analysis at year-end of the loan portfolio, the segmentation and specific allocation of certain non-inventoried items has been refined, resulting in some reclassifications from "Loans to businesses" (-€1,087M) to "Loans to individuals" (+€1,083 M, of which €818M "Residential Mortgages" and €265M "Other loans to individuals") and to "Public Sector" (€3M). Historical figures have been restated for comparability purposes. (5) Unsecured loans to individuals, excluding loans for home purchases. Includes personal loans as well as revolving credit card balances; excluding float. 56

View entire presentation