2022-24 Strategic Plan Update

4 Q23 P&L AND BALANCE SHEET Loan-book broadly stable in the quarter with continued support from business and consumer lending PERFORMING LOAN BOOK (1) - 31 Dec. 2023 €344 Bn -2.0% ytd | -0.4% qoq CaixaBank +2.2% ytd +2.0% ytd -5.0% ytd Of which: BUSINESS LENDING +1.0% qoq CONSUMER LENDING +0.3% qoq RESIDENTIAL MORTGAGES -1.2% qoq GROWTH IN BUSINESS LENDING AND CONSUMER LENDING YTD OFFSET BY STRUCTURAL DELEVERAGING IN MORTGAGES AND PUBLIC SECTOR Performing loan-book waterfall ytd, €Bn. 5% -2.0% 3% Q4 qoq supported 1% FLOATING MORTGAGE BOOK INDEX RESETS CONTINUE Euribor 12 months (monthly average) <30% Affordability ratio with E12M at 4.5% (5) +3.3 +0.4 (6.8) (4.1) by positive evolution in new lending -1% Consumer 351.2 Businesses Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mortgages Other(2) 344.1 New lending to the private sector: 4Q23 vs. 9M23 quarterly average (3), % % of performing floating mortgages (4) repriced at: Dec-22 000 Dec-23 +4.3% Euribor ≤2% 2% Euribor ≤ 3% 3% Euribor ≤ 4% 0% 100% 76% 45% 25% 13% 6% 0% 24% 35% 20% 18% 11% 0% 20% 55% 50% 34% Euribor > 4% 0% 0% 0% 0% 19% 49% (1) Refer to the Appendix for additional details. (2) Includes "Public sector" and "Other loans to individuals-other". (3) Includes new mortgages, new consumer lending and new business lending in Spain and International Branches. (4) Individual client mortgages. Two thirds of individual client mortgages are floating. CABK ex BPI. Historical figures for Dec-22 were restated. (5) Internal estimates referred to floating-rate residential mortgages of clients with income flows paid into CaixaBank. CABK ex BPI. 40

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