2022-24 Strategic Plan Update

BUSINESS MODEL A highly-segmented business model based on specialisation and quality of service and leveraging on our strengths LEVERAGING ON OUR STRENGTHS CaixaBank DISTRIBUTION CHANNELS ADATPED TO CUSTOMER PREFERENCES SPECIALISATION Retail Banking Private Banking 0.3 M clients Branches Bank of reference in Spain + Portugal Broad customer base and universal banking model 15.1 M clients Individual banking 2.7 M clients Premier banking 1.6 M clients Business and other 20.1 M clients Omni-channel distribution model Insurance and long-term savings management subsidiaries leaders in their own segments Financial strength Sustainable banking benchmark Excellent team Business Banking 0.4 M clients 3,876 branches in Spain and 315 in Portugal CIB 0.02 M clients InTouch InTouch 3.3 M clients with remote bank managers in Spain and 0.2 M in Portugal CaixaBankNow 11.5 M clients (1) with use of digital channels in Spain and 0.9 M in Portugal Imagin 3.3 M digital clients looking for a neobank experience (Spain) IMOOM *CaixaBank CabenBank CaixaBank CaixaBank dayone CaixaBank Bank Hola Bank Real Estate & Homes Distribution channels to which the customers in the segment have access A ONE-STOP SHOP FOR LIFETIME FINANCE AND INSURANCE NEEDS Day-to-day solutions Payments € Savings and investment products Financing Insurance (life and non-life) (1) Individual clients with at least one access to Digital Banking in the last 6 months. 18

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