Investor Presentaiton

CAJA RURAL DE NAVARRA This document should not be distributed in the United States or to U.S. persons as defined in Regulation S of the U.S. Securities Act of 1933, as amended CAJA RURAL DE NAVARRA - MAIN FINANCIAL DATA 1.000 900 800 700 600 500 400 300 200 100 0 1998 DEPOSIT TAKING AND LOAN BOOK 2001 CRN loan book Index base (1998-100) 2004 2007 2010 2013 2016 2019 CRN deposits Spanish banking system loan book Spanish banking system deposits NIIMS + FEES On the long run CRN has significantly gained market share by outpacing the growth of the overall financial sector after the crisis, due to its ability to maintain a retail and regional business model coupled with ample capital and liquidity buffers, combined with a 'throughout-the- cycle" healthy asset quality. Income sources (NIM+Fees) have grown much more than the Spanish financial sector average, reflecting a self-sustained and organic growth model which keeps profitability and efficiency as key strategic targets. 500 400 300 200 100 Index base (1998=100) 0 1998 2001 2004 2007 2010 Caja Rural de Navarra 2013 Spanish banking system 2016 2019 Source: Caja Rural de Navarra, Bank of Spain. 2020 Credit and Sustainability Framework CRN City Council.and San Sebastian Bay 10

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