2022-24 Strategic Plan Update

AT A GLANCE Best-in-class omni-channel distribution platform with multi-product capabilities PHYSICAL FOOTPRINT # of retail branches # of ATMs 3,618 Spain 270 Portugal ATM - 0 ● 11,335 Spain 1,259 Portugal NO WITHDRAWAL FROM TOWNS Presence in towns with >5K inhabitants 23.8% market share by # of branches (Spain)(1) CaixaBank LEADER IN DIGITAL CHANNELS # of digital clients(2) ~42% 11.5 M Spain 0.9 M Portugal digital penetration (Spain)(3) EUROMONEY AWARDS FOR EXCELLENCE WESTERN 2025 EUROPE BEST DIGITAL BANK Digital and remote relationship models CaixaBankNow InTouch imagin 3.3 M clients (4) 3.3 M clients(5) USE OF MOBILE CHANNEL IS GROWING RAPIDLY Breakdown of digital clients(2), (Spain) 483 towns where CABK is the only bank 40% 3% 2.6 M of purchases with mobile phones 27% 99% Spain 61% Portugal SPAIN 783 towns with mobile branches (Jan. 2024) Agreement with post office (coverage of towns with <500 inhabitants) • 100% digital ⚫ Omni-channel • Mobile Mobile + web • Web 4.9 M 60% cards downloaded to mobile phones 70% (1) As of September 2023. (2) Individual clients with at least one access to Digital Banking in the last 6 months. (3) 12-month average, latest available data as of 31 December 2023. Total digital banking penetration (desktop + mobile). Including exclusive clients and shared clients with other entities. Source: ComScore MP and Home and Work (Spain) eBanking portals audiences. (4) In Spain. InTouch was launched in mid-2018. (5) Imagin was launched in 2016 and re-launched in 2020. 8

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