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 - MAIN FINANCIAL DATA Camino de Santiago as it passes by Eunate 1 Source: European Banking Authority (EBA). Data as of 4Q2019. Data includes Norway and Iceland. 2 Source: Caja Rural de Navarra Data as of 4Q2019. 2020 Credit and Sustainability Framework CRN EU Banks (1) CRN(2) CET1 ratio (transitional) 15.00% 16.79% CET1 ratio (fully loaded) 14.80% 16.58% NPL ratio 2.70% 2.09% Efficiency ratio 64.00% 42.31% RoE 5.80% 7.85% Leverage ratio (fully phased-in) 5.50% 8.82% 13

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