2022-24 Strategic Plan Update

APPENDIX Loan portfolio - additional information > LOW-RISK LOAN PORTFOLIO Gross customer loans (Group) in Bn as of 31 December 2023 Loans to individuals o/w collateralised (1) 175.8 84% Loans to businesses 160.0 28% Public sector Total loans 18.3 354.1 > 59% OF LOAN-BOOK COLLATERALISED OR TO PUBLIC SECTOR > RESIDENTIAL MORTGAGE PORTFOLIO CABK ex BPI, 31 December 2023: breakdown by date of origination, in % of total % of total by origination date 52% <2012 CaixaBank Current LTV % Fixed rate 49% 5% 7% 2012-2015 52% 9% 41% >2015 €118.7 Bn TOTAL New mortgages (FY23) (2): ~70% at fixed rate; avg. LTV ~70% Floating-rate residential mortgage portfolio: 59% 78% 53% 35% Average monthly installment estimated (3) at ~€570 • Average affordability ratio estimated at ~27%, increasing to <30% (4) with Euribor 12M at 4.5% (1) Including loans with mortgage guarantee, public guarantee from ICO in Spain and COMID-19 public support lines in Portugal and other real guarantees. (2) CABK ex BPI. (3) Internal estimate. CABK ex BPI. (4) Internal estimates referred to floating-rate residential mortgages of clients with income flows paid into CaixaBank. CABK ex BPI. 57

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