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 ENTITY Kutxabank Bankia Caja Rural de Navarra Unicaja Ibercaja CaixaBank BBVA Sabadell Bankinter 1 Santander Lower SREP requirements due to CRN's credit profile. RATINGS Total Capital SREP Requirement 2018 Phase-in total Capital Ratio (Dec-19) Surplus 11.70% 17.17% 5.47% 12.75% 18.10% 5.35% 11.63% 16.79% 5.16% 12.25% 17.10% 4.85% 12.50% 16.40% 3.90% 12.28% 15.70% 3.42% 12.77% 15.92% 3.15% 13.13% 15.70% 2.57% 11.70% 13.94% 2.24% 13.18% 15.05% 1.87% • Nevertheless, CRN's capitalization is among the highest, leading to top performance in terms of surplus solvency ratios. Moreover, solvency quality is very high, with CET1 making up 100% of total capital ratio. • No material MREL issuance needs foreseen, due to very high total capital ratios. Source: CNMV, public information. 1 Fully loaded total capital ratio data. 2020 Credit and Sustainability Framework CRN 11

View entire presentation