Investor Presentaiton

CAJA RURAL DE NAVARRA Caja Rural de Navarra Financial highlights' Financial Ratios Core Tier 1 Ratio (Phased in)² 25% Dec-22 Dec-21 Dec-20 20% Capitalisation 15% Core Tier 1 Regulatory Capital Ratio (phased in) 2 20.35% 18.72% 18.28% 10% 5% Core Tier 1 Regulatory Capital Ratio (fully loaded) 2 19.82% 18.13% 17.66% 0% Equity/Total Assets 9.42% 8.70% 8.28% Asset quality indicators 2000 2002 2004 2006 2008 Growth of gross loans 0.53% 6.84% 7.86% Impaired loans (IL) 1.99% 2.03% 2.12% Loan book by credit quality IL Coverage ratio 65.24% 63.51% 58.51% Stage 1 Profitability ratios Stage 2 Net interest income / Total Assets 1.16% 1.00% 1.05% Stage 3 Pre-tax Profit / Average Total Assets 0.79% 0.61% 0.63% ROE (averaged) 8.49% 7.04% 6.96% Impaired Loans Funding Gross loans/Customer deposits (LTD) 87.35% 92.60% 87.27% 6% Liquidity 4% LCR NSFR 384% 131% 332% 391% 2% 134% 148% 0% Source: 2022 stand-alone audited Annual Report 2 Calculated with the standard method Caja Rural de Navarra's MREL requirement of 15.59% (TREA) and 4.39% (LRE) from 1st January 2024 onwards. Interim requirement of 15.17% (TREA) and 4.36% (LRE) from 1st January 2022. 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 96% 2% 2% Caja Rural de Navarra Investor Presentation | 7 1/7 COOPERATIVE BANK

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