2022-24 Strategic Plan Update

APPENDIX Glossary (V/VI) Term NZBA Operating expenses OREO O-SII buffer P&L P2R Payout PF pp PPA PPP/Pre-impairment income RE Definition Net-Zero Banking Alliance Include the following items: administrative expenses; depreciation and amortisation. Other Real Estate Owned: repossessed real estate assets available for sale. Other systemically important institution. Profit and Loss Account. Pillar 2 Requirement. Payout ratio. Quotient between dividends; and profit attributable to the Group Pro Forma. Percentage points. Price Purchase Allocation. Pre-provision profit / pre-impairment income includes: (+) Gross income; (-) Operating expenses. Real Estate. CaixaBank Recurrent C/I ratio ttm Individual relational clients RoE ROTE RWAS SBB SCA SDG SNP SP SREP Recurrent cost-to-income ratio trailing 12 months. Quotient between operating expenses (administrative expenses, depreciation and amortisation) stripping out extraordinary expenses (both, for the last 12 months) over total revenues (for the last 12 months). Individual clients with 3 or more product families. Return on Tangible Equity. Ratio dividing profit attributable to the Group trailing 12 months (adjusted by AT1 coupon, registered in shareholder equity) over 12 month average shareholder equity plus valuation adjustments deducting intangible assets using management criteria. Return on Equity. Profit attributable to the Group trailing 12 months (adj. by AT1 coupon, registered in shareholder equity) over 12 month average shareholder equity plus valuation adjustments. Risk Weighted Assets. Share Buy-Back. SegurCaixa Adeslas. Sustainable Development Goals. Senior non preferred debt. Senior preferred debt. Supervisory Review and Evaluation Process. 71

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