2022-24 Strategic Plan Update

4Q 23 P&L AND BALANCE SHEET Ample liquidity remains a hallmark post TLTRO pre-payment CaixaBank A key competitive advantage reflecting stable funding and consistently prudent risk management AMPLE LIQUIDITY RESERVES WITH STRONG BUFFERS AND % LCR / % NSFR WELL ABOVE 100% REQUIREMENT 31 December 2023 (eop) Liquidity sources €Bn as of 31 December 2023 101 59 59 215% 144% 15.9% 89% 5.8% 100% of TLTRO ALREADY REPAID % LCR (1) % NSFR (2) % ASSET ENCUMBRANCE % LTD LEVERAGE RATIO (3) The last €8.5 Bn early repaid in Q4 48 208 STABLE FUNDING STRUCTURE WITH A HIGH PROPORTION OF RETAIL DEPOSITS Deposit breakdown in % of total deposit balances(4) YE22 YE23 64% INSURED DEPOSITS (5) Retail 81% 80% 69% Wholesale 19% 20% HQLAS ECB dep. facilities ex HQLAS Covered bond issuance capacity Total STABLE RETAIL + WHOLESALE OPERATIONAL DEPOSITS (6) (1) % LCR as of 31 December 2023. 12-month average % LCR as of 31 December 2023: 203%. (2) 143% reported in 4Q23 presentation. (3) Including IFRS 9 transitional arrangements. (4) Based on latest Pillar 3 reporting data. (5) Deposits covered by the Deposit Guarantee Fund (deposits < €100,000) in % of total deposit balances. (6) In % of total deposit balances. 48

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