2022-24 Strategic Plan Update

4Q 23 P&L AND BALANCE SHEET Bancassurance services also contribute to core revenue growth Higher insurance revenues more than offset subdued banking fees. CaixaBank NET FEES + INSURANCE REVENUES CORE REVENUE BRIDGE Kol ЄM €M +1.5% REVENUES FROM INSURANCE 4,951 5,023 INVESTMENTS 162 248 +52.7% yoy 11,504 935 1,118 INSURANCE SERVICE RESULT +19.6% yoy 3,855 3,658 NET FEES -3.2% ex cash -5.1% yoy custody FY22 FY23 +31.6% +3,560 +269 (197) 15,137 +72 +147 ex cash custody A NII A Insurance revenues(1) A Fees FY22 FY23 Total core revenues at €15.1 Bn in line with upgraded FY guidance (1) Insurance revenues other than those contributing to fees or NII. They include "Insurance Service Result", equity accounted income from SCA and revenues from other insurance investments. 43

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