Analysts

In €M	2024e	2025e	2026e
Net interest income	10,767	10,231	10,035
Wealth rev. + Protection rev. + Banking fees (1)(2)	4,911	5,104	5,286
Gross income	15,391	15,040	15,068
Recurring operating expenses	-6,094	-6,304	-6,503
Pre-impairment income	9,296	8,735	8,564
Loan loss Provisions	-1,144	-1,253	-1,342
Net profit attributable to the Group	5,409	4,986	4,810

Pro-memoria
Net fees and commissions	3,680	3,799	3,909
Insurance Service Result	1,231	1,305	1,377

(1) The sum of Wealth, Protection and Banking fee revenues in the new revenue presentation is equivalent to the sum of "Net fees and commissions" and "Insurance service result" in the previous revenue presentation.

(2) Breakdown between Wealth, Protection and Banking fee revenues not available as the minimum required contributions was not reached.

Figures as of 15 July 2024 with previews estimated by analysts.
Averages based on a minimum of 16 analysts' estimates.

1. Consensus based on the compilation of estimates provided by analysts covering CaixaBank’s shares. Contributions from different sets of analysts may lead to estimates that differ from consensus figures published by other financial information providers.

2. Consensus estimates will be published provided the number of analysts contributing to its calculation is higher than 50% of the total number of analysts covering CaixaBank’s shares.

3. CaixaBank makes no warranty, express or implied, as to the accuracy or completeness of the referred information. The achievement of these estimates is in no way warranted by CaixaBank.

4. These estimates, which are not subject to the obligation to disclose information required by the Comisión Nacional del Mercado de Valores (CNMV), are provided as a courtesy and for possible convenience and informational purposes only. They are not intended to imply any endorsement or provide any investment advice.

5. CaixaBank shall have no liability whatsoever (in negligence or otherwise) for any damage or loss howsoever arising from any use of this information.

6. Please note that all estimates correspond to CaixaBank Group.