2022-24 Strategic Plan Update

4 Q23 P&L AND BALANCE SHEET Net inflows up to €5.3Bn ytd underpinned by savings insurance as higher long-term yields allow for attractive annuity offering CaixaBank STRONG GROWTH IN NET INFLOWS MAINLY DRIVEN BY ANNUITIES Net inflows into /t savings (1), €Bn FY23: Breakdown of net inflows into I/t savings, % of total +34% 40% MARKET SHARE GAINS Market share in savings insurance (4), % 36.5% +91 bps 2023 yoy 5.3 33% 4.0 AuMs(2) C 35% 30% 67% Savings insurance (3) 25% vs. 68% FY22 vs. 32% FY22 20% 2014 2016 2018 2020 2022 FY22 FY23 Spanish life-savings insurance market (3) (4); AuMS in €Bn Rest of the market Vida Caixa Ample untapped potential L/T savings, in % of total household savings(5) Seizing potential 42 While driving growth in the Spanish market 21 29 35 50 A 2010-23 50 56 61 99 66 72 €51Bn VidaCaixa 18% 27% 38% 121 122 125 130 133 131 128 120 125 €4Bn Sector ex VidaCaixa Portugal Spain Euro Area 2010 2012 2014 2016 2018 2020 2021 2022 2023 (1) Mutual funds (including managed portfolios and SICAVS), pension plans, and life-savings insurance. (2) Mutual funds (including managed portfolios and SICAVS) and pension plans. (3) Includes unit linked. (4) In Spain. Based on ICEA data. Sector data for December 2023 are internal estimates. (5) Latest available data (3Q23). Source: Eurostat, Bank of Spain and Bank of Portugal. 34

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