Investor Presentaiton
CAJA RURAL
DE NAVARRA
Funding strategy
Diversified Sources and Conservative Profile
The strategy focuses on diversifying liquidity sources, while maintaining a
conservative liquidity profile, which remains firmly based on a very stable
deposit base.
Caja Rural de Navarra maintains a high volume of liquid assets, most of
them eligible for monetary operations with ECB, and the loan book growth
is financed by deposit taking.
Caja Rural de Navarra is active in the wholesale markets since 2001.
We aim at issuing Covered Bonds and senior instruments in order to
follow our strategy of diversifying the funding base and tapping growth
opportunities in the retail banking business.
Despite having a high capital ratio and low requirements, Caja Rural de
Navarra is open to issue Senior preferred or Senior non preferred format,
depending on market situation and investors' preferences.
Caja Rural de Navarra is also open to conduct private placements.
Moody's Credit Opinion Dec 2022: "stable retail deposit base and low
reliance on wholesale funding"
3/7
FUNDING STRATEGY
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