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Investor Presentaiton

CAJA RURAL DE NAVARRA 4/7 SUSTAINABILITY STRATEGY Sustainability Strategy Sustainability goals set against the UN Sustainable Development Goals (SDGs) High-level commitments in terms of sustainability 4 QUALITY EDUCATION 7 AFRDABLE AND CLEAN ENERGY 8 DECENT WORK AND ECONOMIC GROWTH Education Renewable energy 9 INDUSTRY, INNOVATION 10 REDUCED INEQUALITIES Economic inclusion 11AINELE CITIES COUNTLES SUSTAINABLE DEVELOPMENT GOALS On 25 Sept. 2015, global leaders adopted a set of 17 global goals to eradicate poverty, protect the planet and ensure prosperity for all as part of a new sustainable development agenda. Each goal includes specific targets to be met in the next 15 years. CRN mapped each of its framework's lines against the UN SDGs. THE BANK MAL OF QUAUTY FOR SUSTAHLABILIT» Caja Rural de Navarra The ESG teams at the head office of German cooperative banking group DZ Bank analysed the full range of sustainability issues affecting Caja Rural de Navarra and awarded it the DZ Bank Sustainability certification with above-average scores in all four areas considered: Economy, Environment, Social and Governance. COVERED BONE LABEL- EeMAP ININGT LABEL EEFIG ENERGY EFFICIENCY Energy efficiency 12 RESPONSIBLE CONSUMPTION AND PRODUCTION Q Social inclusion 15 LIFE ON LAND Waste management Sustainable agriculture Sustainable forestry Social housing, public protection housing In the interest of transparency, in the case of its mortgage covered bonds, Caja Rural de Navarra publishes quarterly analyses of its loan book data following the standards set by the Covered Bond Label, which guarantees transparency to investors and allows easy comparison of results against other labelled entities. Current issues of sustainable mortgage- backed covered bonds are tagged by the EMF-ECBC with the green leaf kitemark. CRN takes part in a range of international initiatives and working groups to develop green finance and to promote energy efficient homes which meet the environmental and social goals set out in the UN Paris Agreement, including stimulating investment and creating employment: • EeMAP-EEMI ("Energy Efficient Mortgage Action Plan- Energy Efficient Mortgage Initiative) • Energy efficient mortgage label ⚫EEFIG ("Energy Efficiency Financial Institutions Group") Caja Rural de Navarra Investor Presentation 24
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