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CAJA RURAL DE NAVARRA Cover Pool Analysis Non performing loans (NPL) 1 4% 5/7 COVERED BOND PROGRAMME 3% 2% 1% 0% Dec-17 Jun-18 Dec-18 Jun-19 Dec-19 Jun-20 Dec-20 Jun-21 Dec-21 Jun-22 Dec-22 Geographical distribution Navarre Basque Country La Rioja Other Spanish Regions 2.44% 1 Current Loan Balance calculated on a WA basis. 0% 7.25% Total Residential 43.74% 46.57% 10% 20% 30% 40% 50% Commercial Data prior to Jul 2022 (date of entry into force of RDL 24/2021), used as reference portfolio the whole mortgage pool. From Jul 2022 onwards, the reference portfolio is the Cover Pool, as defined by RDL 24/2021. Caja Rural de Navarra Investor Presentation 37

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