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Investor Presentaiton

CAJA RURAL DE NAVARRA Disclaimer 6/7 CONTACTS @2023 Caja Rural de Navarra, Sociedad Cooperativa de Crédito. All rights reserved. This document was created exclusively for the purpose of giving corporate presentations by Caja Rural de Navarra. This presentation may only be shown to business and institutional clients. This document may not be modified nor shared with third parties without the express consent of Caja Rural de Navarra. Anyone in possession of this document must be aware and comply with the legal regulations governing the possession and sharing of such information. This presentation may not be shared with nor transmitted to any country with laws restricting the sharing or transmission of such information. In no event will Caja Rural de Navarra, its related corporations, or the employees thereof be liable to anyone for any decision made or action taken in reliance on the information in this document or for any consequential damages. This presentation is exclusively for general information purposes. It does not represent an offer to conclude an agreement on the provision of investment advisory services or the purchase of securities. Where this presentation cites information either not originating from Caja Rural de Navarra or not produced at its request, such information was compiled from sources deemed reliable without being verified. However, Caja Rural de Navarra does not guarantee that such information is complete or correct. Caja Rural de Navarra assumes no responsibility or liability whatsoever for expenses, losses or damage resulting from or in connection with the use of all or part of the information contained in this presentation. Caja Rural de Navarra cautions that this presentation may contain forward looking statements with respect to the business financial condition, results of operations, strategy, plans and objectives of the Caja Rural de Navarra. While these forward looking statements represent our judgement and future expectations concerning the development of our business, a certain number of risks, uncertainties and other relevant factors could cause actual developments and results to differ materially from our expectations. These factors include, but are not limited to: (1) general market, Macroeconomic, governmental, political and regulatory trends; (2) movements in local and international securities markets, currency exchange rate and interest rates; (3) competitive pressures; (4) technical developments; (5) changes in the financial position or credit worthiness of our customers, obligors and counterparts. These factors could adversely affect our business and financial performance published in our past and future filings and reports, including those with the Spanish Securities Market Commission (Comisión Nacional del Mercado de Valores). Caja Rural de Navarra Investor Presentation 48
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