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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 - FINANCIAL HIGHLIGHTS¹ KEY FINANCIAL DATA² (IN MILLIONS OF EURO) DEPOSITS AND LOAN BOOK 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Єm DEC 19 DEC 18 DEC 17 8.000 Total Assets 12,946 12,038 11,557 6.000 Average Total Assets 12,544 11,770 11,246 4.000 Risk Weigthed Assets (RWA) 7,255 6,724 6,458 2.000 Total Equity 1,213 1,099 1,058 0 of which Tier 1 1,218 1,103 1.027 Gross Loans 8,262 7,944 7,447 Deposits 8,741 8,021 7,534 Employees 963 965 959 €m 250 Branches 253 252 250 200 Net Interest Income 163.0 150.0 154.3 150 Pre-tax Profit 94.3 103.0 85.3 100 Net Income 85.2 91.2 86.8 50 ■Loan Book Deposit Taking NIMS + FEES 0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2 Provisional non-consolidated data (non-audited and pending approval by the General Assembly). Based on end-2019 financial data. 2020 Credit and Sustainability Framework CRN 1 Individual basis. 60
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