2022-24 Strategic Plan Update

4Q 23 P&L AND BALANCE SHEET 2023 ends on a strong note for customer funds Underpinned by steady growth in long-term savings and deposit resilience CUSTOMER FUNDS (1) - 31 December 2023 +3.1% ytd Of which: LONG-TERM +8.5% ytd +3.0 qoq DEPOSITS AND OTHER(3) SAVINGS(2) €630 Bn +1.8% qoq Customer fund growth with +3.1% +0.2% ytd +1.0% qoq CaixaBank STRONG RECOVERY IN L/T SAVINGS IN 2023 Long-term savings, €Bn eop support from net inflows into long- +13.1 +5.3 +0.6 240 235 +8.5% ytd term savings and markets 611.3 Market effects (long-term savings) Net inflows into long- term savings Deposits & other (3) 630.3 230 225 220 Customer funds ytd waterfall, €Bn 215 210 Dec-22 Dec-23 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 (1) (2) €23 Refer to the Appendix for additional details. Mutual funds, managed portfolios and SICAVS; pension plans and life-savings insurance (on-balance sheet, including unit linked, and off-balance sheet). (3) Deposits (including retail security issuances), other funds and other managed resources. 39

View entire presentation