Investor Presentaiton

CAJA RURAL DE NAVARRA Sustainability Strategy Sustainability Bond Framework 4/7 SUSTAINABILITY STRATEGY As part of its focus on ESG issues, Caja Rural de Navarra created a sustainability framework (the "Framework") for its loan portfolio in order to promote those financing lines that have the greatest social and environmental impact in the regions where the bank is active. These lines are consistent with its commitment to the local social and natural environment. The Sustainability Bond Framework² is fully compliant with ICMA's Green Bond Principles 2022, Social Bond Principles 2022 and Sustainability Bond Guidelines 2022. The Green Bond Principles The Social Bond Principles The Sustainability Bond Guidelines The Framework is regularly reviewed and if necessary updated, since the categories it addresses change, evolving and developing to keep pace with responsible social and environmental practices. The Framework was last updated in 2021 to incorporate the latest developments in sustainability, including bringing it into line with the EU's taxonomy of sustainable activities and with the United Nations Sustainable Development Goals (SDGs)³. According to the latest Sustainalytics Second-Party Opinion (December 2021) Caja Rural de Navarra's udpated Sustainability Bond Framework (December 2021) is credible and impactful and the Green Bond selection criteria are aligned with the Technical Screening Criteria of the EU Taxonomy5. Source: Sustainability Impact Report: www.cajaruraldenavarra.com/en/information-investors 2 Sustainability Bond Framework: www.cajaruraldenavarra.com/sites/default/files/info-inversores/Sostenibilidad/Marco/2021-sustainability-bond-framework-caja-rural-de-navarra.pdf 3 sdgs.un.org/goals 4 SPO (Sustainalytics): www.cajaruraldenavarra.com/sites/default/files/info-inversores/Sostenibilidad/Sustainalytics/crn-sustainability-bond-framework-second-party-opinion-2021.pdf 5 ec.europa.eu/info/business-economy-euro/banking-and-finance/sustainable-finance/eu-taxonomy-sustainable-activities_en SUSTAINALYTICS Caja Rural de Navarra Investor Presentation 25

View entire presentation