2022-24 Strategic Plan Update

4Q 23 P&L AND BALANCE SHEET CoR at low levels and well aligned with guidance while maintaining comfortable coverage levels LOAN-LOSS CHARGES €M COR 434 ttm, % 359 282 255 228 200 172 147 0.30% 0.23% 0.23% 0.23% 0.25% 0.26% 0.27% 0.28% HIGH NPL COVERAGE NPL coverage (2), % €7.7 Bn TOTAL PROVISION FUNDS, YE23 CaixaBank 74% 73% 56% 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 FY22: 982 FY23: 1,097 A +11.7% 2014-21 avg. Dec-22 Dec-23 LLCs reflect prudent provisioning approach throughout the year CoR ttm at 28 bps, remaining at low levels and comfortably within FY guidance Unassigned collective provisions: ~€0.8 Bn(¹) outstanding by YE23 FY23 COR at 28 bps in line with <30 bps guidance (1) Includes unassigned collective provisions (€642 M) and Bankia PPA (€168 M) as of 31 December 2023. (2) Ratio between to tal impairment allowances on loans to customers and contingent liabilities over non-performing loans and advances to customers and contingent liabilities. The ratio of total impairment allowances over total loans and advances to customers and contingent liabilities stands at 2.0% as of 31 December 2023 (stable qoq and ytd). 46

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