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Investor Presentaiton

CAJA RURAL DE NAVARRA Residential/Commercial Cover Pool Overview Residential Total cover assets Number of loans Number of borrowers Average loan size Interest only loans WA LTV (%) WA Seasoning (months) WA Remaining Maturity (years) WA Rate (%) Floating Rate loans (%) NPL >90 days (Art 178 lb CRR) Other (Art 178 la CRR) 10 largest exposures (%) Residential geographical distribution Navarre Basque Country La Rioja Other Spanish regions Commercial 5/7 COVERED BOND PROGRAMME € 2,574m 30,425 44,520 € 84,628 0.02% Total cover assets Number of loans Number of borrowers Average loan size € 331m 2,505 3,248 € 132,153 Interest only loans 0.11% 57.28% WA LTV(1) (%) 34.03% 79.82 WA Seasoning (months) 69.92 20.51 WA Remaining Maturity (years) 9.00 1.78% WA Rate (%) 2.59% 67.27% Floating Rate loans (%) 73.43% 0.04% NPL >90 days (Art 178 lb CRR) 0.32% 0.22% Other (Art 178 la CRR) 2.08% 0.32% 10 largest exposures (%) 12.38% 44.34% 46.77% 6.62% 2.27% Commercial geographical distribution Navarre Basque Country La Rioja Other Spanish regions 39.04% 45.07% 12.14% 3.75% Caja Rural de Navarra Investor Presentation 38
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