2022-24 Strategic Plan Update

4Q 23 P&L AND BALANCE SHEET Recurrent costs evolve in line with FY guidance with a steep improvement in operational efficiency CaixaBank RECURRENT COSTS EVOLVE AS GUIDED WITH %C/I AT HISTORICAL LOWS Recurrent costs, ЄM +5.2% RECURRENT COSTS, ЄM Recurrent cost breakdown by main category, €M and % 4Q23 % yoy % qoq FY23 % yoy +5.2% 1,406 1,367 1,375 1,376 1,440 1,455 1,471 1,447 yoy PERSONNEL 875 +4.6% -2.4% 3,516 +4.7% 5,812 5,525 GENERAL EXPENSES 373 +6.0% -1.9% 1,522 +6.1% -1.6% DEPRECIATION 200 +6.2% +2.5% 774 +6.0% qoq 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 TOTAL 1,447 +5.2% -1.6% 5,812 +5.2% FY22 FY23 C/I TTM(1), % FY23 at €5.8 Bn as guided 58.0% 57.5% 56.3% C/I ttm bridge ytd, % and pp ...OIFRS 4 ...IFRS 17/9 54.7% 52.4% 50.3% 48.6% 50.3% +1.7 pp +1.7 pp 40.9% (12.8 pp) 46.0% 42.7% 40.9% YE22 IFRS 17/9 A Revenues ex banking tax Banking tax A Costs Dec-23 D-21 M-22 J-22 S-22 D-22 M-23 J-23 S-23 D-23 (1) Dec-2022 was restated to reflect new insurance accounting (IFRS 17/9). Dec-21/ Mar-22/Jun-22/Sep-22 data are presented as reported historically (IFRS 4) and based on 2021 PF including 12 months of Bankia and adjusted excluding M&A one-offs. 45

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