Investor Presentaiton

0 Deuda * No Bullet Loans. Adjusted by average life. Deuda B.E.I. KUTX B.E.I. B.E.I. ABA *BKT Deuda SAB SAB ARQ *SAB BKT UNI LAB KUTX Deuda *BKT *BBVA Portfolio 31.12.2023 €m 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034-2044 Interest 200 4.5% 180 4.0% 160 3.5% 140 3.0% 120 2.5% 100 2.0% 80 Average cost: 1.5% 1.5% 60 1.0% 40 0.5% 20 Kutx Deuda *BEI Deuda SAB SAN Deuda KUTX *BANK SAB KUTX SAN Deuda SAB UNI Deuda Libe Deuda Libe Deuda Deuda Deuda 0.0%

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