2022-24 Strategic Plan Update

4Q 23 P&L AND BALANCE SHEET Volumes and beta evolution underscore deposit franchise strength CaixaBank MARKET SHARE IN DEPOSITS (1) ~ 25% Stable ytd TOTAL DEPOSITS €386 Bn Stable ytd ~ +1% qoq LEADER IN CLIENT INCOME FLOWS 40-00-00 36% Market share in payrolls (2) ~10.4 M # of clients with payrolls(3), pensions and other professional income flows paid into CaixaBank deposits 34% Market share in pension deposits (2) ~€26 Bn Deposited monthly(4) DEPOSIT BETA EVOLVES MORE GRADUALLY THAN INITIALLY EXPECTED... Deposit beta(5), % ...WHILE POSITIVE COMMERCIAL GAP GROWS FURTHER Deposits (6) Loans, €Bn +28% 16% 13% 11% 30.0 23.4 7% 5% 4Q22 1Q23 2Q23 3Q23 4Q23 -41.7 2008 (7) Dec-22 Dec-23 (1) Deposits of households and non-financial businesses, in Spain. December 2023, based on Bank of Spain latest available data. (2) In Spain, December 2023. Own calculations based on Social Security data. (3) Including unemployment benefits. (4) Deposited monthly in demand deposits from payrolls, unemployment benefits, pensions and other professional income flows. (5) Deposit beta is based on the ECB Deposit Facility Rate ("DFR") and is calculated from when the current rate tightening cycle started in Sep. 2022 (i.e. once the DFR crossed the 0% threshold). It excludes the effect of structural hedges, FX and international branch deposits of CaixaBank ex BPI. (6) Demand and time deposits (excludes retail securities). (7) Data corresponding to the scope of Group "la Caixa". 33

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