Investor Presentaiton

CAJA RURAL DE NAVARRA Caja Rural de Navarra CRN and the Spanish Financial Sector Deposits and Loan Book (in €m) 1,400 1,200 1,000 800 600 400 200 1998 2000 2002 2004 2006 2008 2010 2012 CRN Deposits Spain's Deposits Source: Bank of Spain and Caja Rural de Navarra 2014 2016 2018 CRN Gross loans Spain's Gross loans 1/7 COOPERATIVE BANK NIII + Fees (in €m) Index base (1998-100) Index base (1998-100) 600 2020 2022 500 400 300 200 100 о 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2011 2012 ZIOZ CRN 2013 2015 SPAIN 17102 Caja Rural de Navarra gained market share by outpacing the growth of the overall financial sector due to its ability to maintain a retail and regional business model coupled with ample capital and liquidity buffers, combined with a 'throughout-the-cycle" healthy asset quality. Income sources (NII+Fees) have grown much more than the Spanish financial sector average, reflecting a self-sustained and organic growth model which keeps profitability and efficiency as key strategic targets. Caja Rural de Navarra Investor Presentation 10

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