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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 - COMPANY PROFILE Banking culture firmly based on austerity, local focus, risk control, accountability and transparency, in line with the co-operative tradition. • Strategy of stable growth in its region. No country-wide expansion plans, no aggressive development in any other business apart from retail banking. This strategy remains within the overall strategy of the Caja Rural Group and most co-operative banking groups in Europe. ⚫ Retail business is focused on serving the needs of individuals and SMEs in our regions. • • More than 164,000 co-op members (shareholders), with a wide representation of different sectors of our economy and society. • 252 branches distributed all over the regions of Navarre, Basque Country and Rioja. Navarre and Basque Country account for 90% of the loan book. Sustainability Framework for its Bond issuance > Use of proceeds into loan portfolio. Source: Caja Rural de Navarra SUSTAINALYTICS Medieval Pamplona city fortifications. 52
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