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 8% NON-PERFORMING LOANS 7% 6% 5% 4% 3% 2% 1% 0% Austria France Germany Italy Netherlands Portugal Spain Belgium COVERAGE RATIO -EU --CRN 110% 90% 70% 50% CRN EU 30% 10% -10% Austria France Germany Italy Netherlands Portugal Spain Belgium 12 Source: EBA Risk Dashboard. Data as of Q4 2019. Data includes Norway and Iceland. 2020 Credit and Sustainability Framework CRN

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