2022-24 Strategic Plan Update

€Bn 4Q 23 P&L AND BALANCE SHEET Strong capital generation enhancing shareholder value Building up additional distributable capital surplus % CET1 WATERFALL QoQ), in % and bps 2024 CAPITAL REQUIREMENTS (SREP) (4) +39 bps (34 bps) +14 bps 12.37% +2 bps 12.38% 12.17% % CET 1 Organic (2) Dividend accrual(3) + AT1 coupons Markets & other IFRS 9 ΤΑ % TIER 1 Sep-23 CET1 27.1 RWAs 222.6 TBVPS WATERFALL YTD, €/share(5) (0.23) 8.58% 3.54 3.77 10.41% FY22 dividend % TOTAL CAPITAL 12.85% Dec-23 Dec-23 IFRS9 TA % LEVERAGE CaixaBank +18.6% +0.66 4.20 AFY23 YE22 YE22 PF Dec-23 3.00% 28.3 28.3 MDA buffer 228.7 228.6 380 bps 386 bps vs. 2024 SREP FY23 DIVIDEND PAYOUT (6) 60% vs. 2023 SREP 2ND SBB COMPLETED (7) €500 M (1) Sep-23 updated with the latest officially reported data. % CET 1 as of September 2023 included the full deduction of the maximum consideration of 2nd extraordinary SBB (€500M). (2) Excludes dividend accrual and AT1 coupons. (3) Accrual of dividend at 60% payout. (4) SREP requirements for 2024 received in December 2023 with P2R at 1.75% and the O-SII buffer at 0.50%. Assuming counter-cyclical buffer at 0.10% (estimate as of December 2023). (5) Tangible book value (eop) divided by number of outstanding shares (excluding treasury shares). YE22 PF excludes FY22 dividend. All under IFRS 17/9. (6) Dividend payable against FY23 results agreed by the Board for proposal to the next AGM. (7) 2nd extraordinary SBB completed on the 3 January 2024 (by YE23, 98.9% of total consideration had been already executed). 50

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