2022-24 Strategic Plan Update

AT A GLANCE Facing the future from the strongest financial position in 10+ years HIGHER ABILITY TO ABSORB COR ......Recur. PPP/loans plus contingent liabilities ttm, % (D)(2)(3) COR ttm, % (2) 1.55% 1.44% CaixaBank STEEP IMPROVEMENT IN EFFICIENCY AND PROFITABILITY C/I ttm(1)(4), % ROTE ttm(1)(4), % 15.6% 2.27% 56.7% 50.3% 9.8% 40.9% 6.5% 0.48% 2014-21 avg. 0.25% 2022 0.28% 2023 2014-21 avg. 2022 2023 2014-21 avg. 2022 2023 LOW % NPL WITH HIGH COVERAGE % NPL % NPL coverage AMPLE LIQUIDITY AND HIGHER CAPITAL BUILD % LCR % CET1 ex IFRS 9 TA(5) 215% 11.4% 74% 73% 194% 12.3% 12.4% 0.23% 2nd SBB(6) completed 56%. TLTRO REPAID IN FULL o/w repaid in 2023 €15.6 Bn 2.7% 2.7% 2014-21 peak YE22 YE23 2014-21 avg. YE22 YE23 Dec-22 Dec-23 Dec-22 Dec-23 201 bps FY23 organic capital build(7) 3.8% MDA buffer(8) (1) 2022-23 under new accounting standards; 2014-21 based on previously reported figures (IFRS 4). (2) 2020-21 PF including Bankia for 12 months. (3) 2023 adjusted excluding the extraordinary banking tax. (4) 2021 ROTE and %C/I adjusted excluding M&A one-offs. (5) Dec-22 under IFRS 17/9. (6) Second extraordinary SBB executed between September 2023 and January 2024. (7) Excludes dividend accrual, AT1 coupons and impacts from markets and other. (8) % CET 1 including IFRS 9 TA vs. 2024 SREP: 380 bps; 386 bps vs. 2023 SREP. 10

View entire presentation