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30% 28% 26% 24% 22% 20% 18% 16% 14% CAJA RURAL DE NAVARRA CAJA RURAL DE NAVARRA - STRATEGY MARKET SHARE (DEPOSITS AND CREDITS IN NAVARRE)1 Caja Rural de Navarra-as it is the case of many co-operative banks- has become the only local financial institution in its home market after the restructuration of the Spanish financial sector. dic-09 Source: Caja Rural de Navarra, Bank of Spain. Data as of September 2019. 2 Data as of September 2019. 2020 Credit and Sustainability Framework CRN dic-10 dic-11 dic-12 dic-13 dic-14 -Deposits dic-15 dic-16 dic-17 Credits dic-18 sep-19 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 This position offers a huge historical opportunity for co- operative banks, underpinned by their efficiency through Group structures while maintaining their independence and local focus. Caja Rural de Navarra offers a wide range of services through its "Ruralvia" app, available on computer, table and smartphone. ruralvía Digital customers in CRN²: 31.86% of individuals 89.12% of legal persons 16

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