PitchSend

Investor Presentaiton

CAJA RURAL DE NAVARRA COVER POOL Residential and Commercial Mortgage Portfolio RESIDENTIAL 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 COMMERCIAL Total amount (Million of euro) Number of loans Number of borrowers Average loan balance €3,679 Total amount (Million of euro) €1,155 39,452 Number of loans 5,838 61,012 Number of borrowers 5,192 €93,245 Average loan balance €197,803 Interest only loans 0.27% Interest only loans 1.62% WA LTV (%) 57.90% WA LTV (%) 63.27% WA Seasoning (months) 79.58 WA Seasoning (months) 56.40 WA Remaining Maturity (years) 22.01 WA Remaining Maturity (years) 10.66 WA Rate (%) 1.10% WA Rate (%) 1.83% Floating Rate loans (%) 90.91% Floating Rate loans (%) 87.69% Arrears >90 days (%) 0.86% Arrears >90 days (%) 2.73% 10 largest exposures (%) 0.29% 10 largest exposures (%) 8.30% Navarre Basque Country La Rioja GEOGRAPHICAL DISTRIBUTION Other Spanish regions Note: Cut-off date: 31st March 2020. 1 Current Loan Balance calculated on a WA basis. 2020 Credit and Sustainability Framework CRN GEOGRAPHICAL DISTRIBUTION 46.45% 43.82% Navarre Basque Country 7.44% La Rioja 2.29% Other Spanish regions 45.50% 40.55% 10.25% 3.70% 44

View entire presentation