Investor Presentaiton

CAJA RURAL DE NAVARRA Glossary Acronyms 6/7 CONTACTS AECR Asociación Española de Cajas Rurales NII Net Interest Income BCE Banco Cooperativo Español NIM Net Interest Margin CET1 Common equity tier 1 NPL Non-performing loans EACB European Association of Cooperative Banks NSFR ECB European Central Bank OECD ESG Environmental, social and governance R&D Net stable funding ratio Organisation for Economic Co-operation and Development Research and Development GDP Gross Domestic Product RDL Royal Decree-Law HQLA High quality liquid asset value RGA Rural Grupo Asegurador IL Impaired Loans RoE Return on equity INE Instituto Nacional de Estadística RSI Rural Servicios Informáticos IPS Institutional Protection Scheme RWA Risk-weighted assets LCR Liquidity coverage ratio SME LTD Loan to deposit SPO LTV Loan to value SREP Small and Medium Enterprises Second-Party Opinion Supervisory Review and Evaluation Process MREL Minimum requirement for own funds and eligible liabilities Caja Rural de Navarra Investor Presentation | 47

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