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Earnings Presentation 9M2026 22nd October 2026
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2 Similarly, Bankinter advises that this presentation may contain forward-looking statements, regarding the business evolution and results of the entity. While these statements represent our opinion and future expectations, various risks, uncertainties and other important factors may cause results to differ significantly from our expectations. These factors include, but are not limited to, (1) general market trends, macroeconomic, political, and new regulations, (2) variations in both local and international stock markets, foreign exchange and interest rates, as well as other market and operational risks, (3) competitive pressures, (4) technological developments, (5) changes in the financial situation, credit capacity, or solvency of our clients, debtors, and counterparties, etc. The financial information contained in this document has been prepared in accordance with International Financial Reporting Standards (IFRS). This document also includes certain Alternative Performance Measures (APMs), as defined in the Guidelines on Alternative Performance Measures published by the European Securities and Markets Authority (ESMA) in October 2015 (ESMA/2015/1415). Bankinter uses certain APMs, which have not been audited, to allow users to better understand the Company’s financial performance. These measures should be considered as additional information and under no circumstances replace the financial information prepared under IFRS. Furthermore, the way in which Bankinter defines and calculates these measures may differ from other similar measures calculated by other companies and, therefore, may not be comparable. The ESMA Guidelines define APMs as a financial measure of historical or future financial performance, financial position or cash flows, other than a financial measure defined or specified in the applicable financial reporting framework. To learn more about the APMs used and the reconciliation of certain indicators, please see the relevant quarterly financial report of Bankinter, which can be found in Excel format on its website under Shareholder and Investor Relations/Financial Information/Quarterly financial information in excel. Notwithstanding any legal requirements or any limitations imposed by Bankinter that may be applicable, any form of use or application of the contents of this presentation, as well as the use of the signs, trademarks, and logos contained therein, is expressly prohibited. This prohibition extends to all types of reproduction, distribution, transfer to third parties, public communication, and transformation, by any means or medium, for commercial purposes, without the prior and express authorization of Bankinter and/or other respective owners of the presentation. Failure to comply with this restriction may constitute an infringement that the current legislation may sanction in such cases. In the event of any discrepancies between this presentation and the original version in Spanish, the latter shall prevail as the authoritative document over this translation. Finally, Bankinter hereby states that, in the event of any discrepancy between the Spanish and English versions, the Spanish version shall prevail. The English version may contain supplementary information for the conference call with investors and analysts. Disclaimer Bankinter presents its financial statements in accordance with the regulatory framework applicable to the Group, set out in the Commercial Code and other company regulations, as well as by International Financial Reporting Standards adopted by the European Union, and prudential regulation with our best estimation of regulatory ratios. The purpose of this presentation is purely informative, and its content should not be understood as an offer or recommendation to buy or sell financial instruments issued by Bankinter, S.A. ("Bankinter" or "BKT") or any other companies mentioned herein. Investors should make their own investment decisions, seeking the specialized advice they deem necessary and not relying on the information contained in this presentation.
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/03 3Agenda Highlights Results & solvency Businesses & geographies Outlook & growth priorities /01 /02 /03 /04
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Highlights
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5 Profitable growth and disciplined execution deliver strong shareholder value creation Highlights .1 Grow better Execute better Create more value +7% vs sep-25 Customer volumes +6% vs 9M25 Gross operating profit 2,7% 9M26 Customer margin 34,8% 9M26 Cost-to-income ratio 1,84% sep-26 NPL ratio 13,2% sep-26 CET1 €901M Net profit 9M26 +15% vs sep-25 Shareholder value generation1 1. TBVps + DPS paid since sep-25 20,4% ROTE +24bps vs sep-25 +11% +108bps vs 9M25 vs sep-25
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6 87% 11% 2% Spain: +6% / €12Bn Portugal: +13% / €3Bn Ireland: +26% / €1Bn 83 84 87 sep-25 dec-25 sep-26 234 241 250 sep-25 dic-25 sep-26 +7% / +€16Bn 01. Volume breakdown €Bn Customer funds Customer lending Customer volumes1 €Bn Highlights .1 1.Customer volumes include Customer Lending, Retail Funds and AUMs % of customer volumes, % and € vs sep-25 By geography Diversified organic growth +6% 85 88 87 66 69 76 151 157 163 96% 95% 98% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 0 50 100 150 200 sep-25 dec-25 sep-26 Retail funds AUMs LTD +7% / +€16Bn+8%
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7 541 560 566 570 571 589 602 2,74% 2,73% 2,65% 2,61% 2,68% 2,71% 2,71% -1,00% 1,00% 3,00% 5,00% 7,00% 9,00% 11,00% 13,00% 15,00% 500 520 540 560 580 600 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Net interest income Customer margin 1.667 1.762 9M25 9M26 Highlights 01. Good performance regardless of environment € million € million and % Solid net interest income growth and resilience in margins Good Customer margin management with record NII .1 2025 2,68% +6% +2% 2026 2,70%
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8 Highlights Disciplined execution supporting sustainable value creation.1 Differential asset quality Strong capital generation 2,11% 1,94% 1,84% 69% 68% 67% 40,0% 45,0% 50,0% 55,0% 60,0% 65,0% 70,0% 1,6% 1,8% 2,0% 2,2% 2,4% 2,6% 2,8% 3,0% 2024 2025 sep-26 NPL ratio Coverage ratio Structural efficiency 36,3% 36,1% 34,8% 2024 2025 9M26 Cost to income ratio Lowest CET1 impact of the listed Eurozone banks Stress test EBA, adverse scenario Efficiency ratio: annual and period 12,4% 12,7% 13,2% 2024 2025 sep-26 Ratio CET1
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9 Highlights AI strengthens our differentiated model and supports profitable growth.1 “AI First” Transformation Scaling AI Capabilities <20 >150 >60 2020 2021 2022 2023 2024 2025 2026 Strategy & Capabilities Adoption & Scaling o Strategic programs o Governance & Execution o IT & Data Investment o Corporate training o Productivity tools o Agents Library 10% + Technology Investment % of gross revenue Advanced AI models Gen AI systems AI Applied to business Data & SW engineering Process transformation Commercial application Productivity tools o 4 systems, including an agentic platform with >40 development agents o 50 Systems: automation, documentation o 7 systems enabling direct customer interactions o AI-assisted customer notification analysis o First bank to deploy AI tools to all employees o 57k Copilot agent runs per month Value creation & Operational efficiency 56% 9% 0% 87% 34% -1% 9% 19% 29% 39% 49% 59% 69% 79% 89% 99% dec-20 dec-21 dec-22 dec-23 dec-24 dec-25 sep-26 Customer volumes Employees Branches Gross Op. Margin Costs Customer business volumes include lending, retail funds and AUMs Baseline: Dec-20 Efficiency ratio 34,8% 9M26
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10 19,4% 20,4% sep-25 sep-26 0,87 0,97 sep-25 sep-26 Highlights High and sustained ROTE Increasing EPS Compounding shareholder value over time04..1 Shareholder value generation € per share YTD TBV + dividends paid since sep-25. In € 6,78 7,19 0,62 6,78 7,81 sep-25 sep-26 TBV per share Dividend per share Last twelve months +1pp +11% +15%
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11 Results & solvency
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12 € millions 3Q26 vs. 3Q25 vs. 2Q26 9M26 vs. 9M25 Net interest income 602 6% 2% 1.762 6% Net fees and commissions 210 7% (11%) 651 13% Other (18) n/a n/a (15) n/a Gross operating income 795 5% (4%) 2.397 6% Operating expenses (283) 2% 3% (834) 2% Pre-provision profit 511 7% (7%) 1.564 9% Credit provisions and other provisions (97) (4%) (9%) (297) 1% Net profit before taxes 414 10% (7%) 1.267 11% Tax expense (119) 10% (8%) (366) 10% Net profit 295 9% (6%) 901 11% Results & solvency Solid results with increasing revenues and contained expenses .2
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13 566 570 571 589 602 3Q25 4Q25 1Q26 2Q26 3Q26 Results & solvency Positive NII development driven by volumes and margin discipline Δ Δ % Customer margin & NIMNII evolution € million .2 3,49 3,48 3,48 3,51 3,58 0,84 0,87 0,81 0,80 0,86 2,65 2,61 2,68 2,71 2,71 1,72 1,76 1,76 1,75 1,75 3Q25 4Q25 1Q26 2Q26 3Q26 Customer credit yield Cost of deposits Customer margin NIM 2,7% Customer margin 9M26 +2,1% +6,3%
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14 23 521 577 651 9M24 9M25 9M26 Net fees Extr. Alternative investments 53 293 464 Insurance Transactional Asset management & brokerage +22% .2 36% 57% 7% % Fees Received +6% 1 Performance fee related to Helia vehicles in 2Q26 amounts to €23 million net. Excluding this one-off, net fee growth would be +20% vs. 9M24 and +9% vs. 9M25. Results & solvency Growing fee income supports revenue diversification Net fees: sustainable positive trends € million Mix of recurring received fee streams € million 9M26, YoY variation 1 0% 2 Including the equity-accounted results, the year-on.year increase is 8% 2 +25% +13%
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15 58%33% 9% Personnel +1% Admin +4% Amort +9% Positive jaws continue to drive efficiency gains Disciplined expenses growth % of total, % vs 9M25 Structural efficiency gains 83% 12% 5% Spain +1% Portugal +7% Ireland +13% .2 % variation in revenues and expenses during the period Cost-to-income ratio 36,1% 2025 34,8% 9M26 5,0% 6,5% 4,3% 2,3% 2025 9M26 Revenue variation Expenses variation Results & solvency +4,2 pp
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16 262 240 244 0,40% 0,33% 0,33% 0,00% 0,05% 0,10% 0,15% 0,20% 0,25% 0,30% 0,35% 0,40% 0 50 100 150 200 250 300 9M24 9M25 9M26 Provisions and other impairments Annualized cost 62 53 53 0,10% 0,09% 0,08% 0,00% 0,05% 0,10% 0,15% 0,20% 0,25% 0,30% 0,35% 0,40% 0 50 100 150 200 250 300 9M24 9M25 9M26 .2 Results & solvency Strong loan growth with stable risk costs Cost of risk over total risk1, € million Other provisions over total risk, € million 1. Cost of risk in % includes impairment losses and gains (losses) on disposal of assets, excludes extraordinary items
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17 Results & solvency Earnings momentum reflects the strength of our business model Net profit € million Profit before tax € million .2 17 1.083 1.143 1.267 9M24 9M25 9M26 731 812 901 9M24 9M25 9M26 +11% +11% +23% +17%
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18 70% 69% 67% Coverage ratio 1,88 1,86 1,77 2,05% 1,92% 1,84% sep-25 jun-26 sep-26 NPL NPL ratio Results & solvency Asset quality remains a clear differentiator across all geographies Further improvement in NPLs with stable coverage € billion NPL ratios remain well below sector levels .2 Sector source: Each country’s central bank. Latest available data as of July 2026 9M26 vs. 9M25 Last sector data Spain 2,0% -23bps 2,5% Portugal 1,4% -4bps 2,1% Ireland 0,3% +4bps 0,7% NPL ratio -21pbs Customer lending +6% vs sep-25
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19 4,4 5,1 2,3 2,9 2,6 sep-25 dec-25 mar-26 jun-26 sep-26 30 7 37 Liquid assets Issuance capacity Total Results & solvency Strong liquidity and funding flexibility support growth02. Liquidity gap1 €Bn Wholesale funding maturities € million 1.024 1.632 5.800 2026 2027 2028 2029 ≥2030 .2 98% LTD sep-26 168% LCR Last twelve months sep-26 9,3 - 1,4 - 5,3 Liquidity buffer & issuance capacity €Bn at sep-26 1 Customer deposits & collection accounts minus customer lending excl securitizations
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20 8,36 8,59 4,36 0,91 -0,17 -0,16 -0,12 4,59 dec-25 Retained earnings RWAs TULP impact Intangibles & others sep-26 EBA Stress test. CET1 impact (bps) in adverse scenario .2 Buffer Minimum 12,72 13,18 13,2% CET11 -56 -162 -186 -187 -265 -282 Bankinter Spain Peer 1 Spain Peer 2 Spain Peer 3 Spain Peer 4 Spain Peer 5 Most resilient listed bank in Eurozone Pillar II (P2R) capital requirement 4th lowest out of 110 SSM European entities 1,50% Leverage 5,3% MREL3 27,5% Total capital 17,7% 2 Results & solvency CET1 evolution in 9M26 Breakdown in % 1 CET1 FL ratio 12,99% 2 10bps of the minimum requirement increment correspond to the Portuguese countercyclical buffer and another bp due to the Dutch countercyclical buffer 3 Minimum MREL requirement + CBR: 23,5% Differential capital resilience Strong capital generation and resilience remain key differentiators +74bps organic generation
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21 Businesses & geographies
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22 35 37 37 sep-25 dic-25 sep-26 10 11 12 sep-25 dec-25 sep-26 .3 BKT Spain +7,6% Sector1 4,1% Businesses & geographies Corporate & SME banking continues to outperform the market Customer lending €Bn €Bn International business customer lending Customer lending growth sep-26 vs sep-25 1. BoS May 2026 (chapter 19, table 16) +16% +7%
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23 23 24 sep-25 sep-26 +6% 2,2 2,4 1,2 1,4 1,1 1,11,3 1,1 5,7 6,0 sep-25 sep-26 Bk Customer Spain Portugal Ireland Open Market .3 Businesses & geographies Retail banking: disciplined growth focused on margins and capital allocation €Bn Salary and digital account balances 2 €Bn 2. The balances of the digital accounts refers exclusively to the balances of digital account campaigns excluding other funds from the Digital Organization Mortgages evolution Consumer Finance evolution €Bn 1,1 0,7 0,3 0,4 0,2 0,4 1,6 1,8 1,4 1,6 1,3 1,6 1,5 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Spain Portugal Ireland New origination +8% +11% excl. OM 38 401 sep-25 sep-26 Mortgage Backbook +5% 1. Includes €0,4Bn of Dutch mortgages
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24 03. €172Bn +€22Bn / +15% vs. sep-25 .3 ~ 60 bps p.a. ~8 bps p.a. Businesses & geographies Off-Balance Sheet: resiliency both in AUMs and AUCs €Bn AUMs1 €Bn AUCs2 1 Investment funds including SICAVs , Alternative Investments and Pension Funds 2 Includes securities from institutional clients 59 62 67 68 25 25 27 28 84 88 95 96 sep-25 dec-25 jun-26 sep-26 Fixed income securities Equity securities 38 40 43 43 28 29 32 33 66 69 75 76 sep-25 dec-25 jun-26 sep-26 Bankinter products Third party investment funds +€10Bn +15% +€12Bn +14%
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25 23,4% 3,8% BKT Ireland Sector 83% 13% 4% Spain: +5% Portugal: +12% Ireland: +19% Solid diversified growth in volumes and revenues across geographies Businesses & geographies 03..3 BoS February 2026; Associaçao Portuguesa de Bancos June 2026; CBI June 2026 Customer volumes1 €Bn Gross operating income +6% €2,4Bn Customer lending growth % vs sep-25 1.Customer volumes include Customer Lending, Retail Funds and AUMs +7% €16Bn % total, % vs 9M25 206 218 23 264 6234 250 sep-25 sep-26 Spain +6% Portugal +13% Ireland +26% 3,2% 3,2% BKT Spain Sector 9,5% 8,7% BKT Portugal Sector
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26 75,6 79,2 53,2 69,2 69,1 90,0 198,0 238,3 dic-24 mar-25 jun-25 sep-25 dic-25 mar-26 jun-26 sep-26 Recursos minoristas AUMs AUCsRetail funds Spain Businesses & geographies 03. Customer volumes evolution P&L .3 € million 9M26 vs. 9M25 Net interest income 1.419 4% Net fees and commissions 575 13% Other (2) n.a. Gross operating income 1.992 5% Operating expenses (689) 1% Cost-to-income ratio 35% (1,6pp) Pre-Provision profit 1.303 8% Cost of risk & other provisions (253) (1%) Profit before tax 1.050 10% 66,3 69,4 dic-24 mar-25 jun-25 sep-25 dic-25 mar-26 jun-26 sep-26 FY25: +3% | +€2Bn LtD 89% Customer lending Customer funds € billion Sep-26 YoY: +3% | +€2Bn FY25: +13% | +€27Bn Sep-26 YoY +9% | +€20Bn
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27 Businesses & geographies Portugal.3 Customer volumes evolution P&L € million 9M26 vs. 9M25 Net interest income 240 13% Net fees and commissions 67 13% Other income / expenses (5) n.a. Gross operating income 302 12% Operating expenses (98) 10% Cost-to-income ratio 32% (0,5pp) Pre-Provision profit 205 12% Cost of risk & other provisions (27) 6% Profit before tax 178 13%Valores custodiados +29% anual Customer lending Customer funds € billion LtD 114% 7,4 7,9 4,5 6,6 4,3 6,2 16,2 20,8 dic-24 mar-25 jun-25 sep-25 dic-25 mar-26 jun-26 sep-26 Recursos minoristas AUMs AUCsRetail funds 10,0 11,8 Sep-26 YoY: +9% | +€1BnFY25: +9% | +€1Bn FY25: +21% | +€3Bn Sep-26 Yoy: +18% | +€3Bn
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28 Businesses & geographies Ireland.3 Customer volumes evolution P&L € million 9M26 vs. 9M25 Net interest income 103 21% Net fees and commissions 7 (6%) Other income / expenses (7) 12% Gross operating income 102 19% Operating expenses (44) 14% Cost-to-income ratio 43% (1,7pp) Pre-Provision profit 58 23% Cost of risk & other provisions (17) 28% Profit before tax 41 21%Valores custodiados +29% anual 3,9 5,6 dic-24 mar.25 jun-25 sep-25 dec-25 mar-26 jun-26 sep-26 Retail funds Customer lending Sep-26 YoY: +26% | +€1Bn FY25: +23% | +€1Bn
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29 Outlook & growth priorities
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30 Outlook & growth priorities Positioned for profitable growth and value creation.4 Volumes Revenues Operating efficiency Resilience Disciplined growth Positive NII momentum Solid recurring fees Long term commitment to positive jaws Stable asset quality Organic capital generation 1) Selectively diversify across business segments & geographies 2) Strengthen customer centric model through core business transformation 3) Scale efficiency through cost control and technology 4) Manage financial and non-financial risks 5) Talent and execution excellence Priorities RoTE> 20% AI-First across all priorities
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31 4,1% 5,6% 5,3% 0,6% 0,2% -1,7% 5Y 10Y 15Y BKT Spain Spanish sector Consistently outgrowing the sector 04. Customer lending. CAGR for the last 5, 10 & 15 years 1 .4 2 1 September 2026 vs December 2022, 2017 and 2012 2 BoS data, table 19.16. Data for 2026 as of August Portugal Scaling a proven franchise Ireland Accelerating the transition Outlook & growth priorities Sustainable value creation through the cycle Combining franchise depth, scalable growth platforms and future earnings engine diversification Netherlands Creating a capital-efficient option on future growth Spain Compounding the value of our leading customer franchise Alternative Investments Scaling a differentiated wealth and alternatives platform Compounding the core franchise Scaling proven growth platforms Building future earnings engines Backed by a proven track record of scaling growth platforms
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32 Profitable growth and disciplined execution deliver strong shareholder value creation Outlook & growth priorities .4 Grow better Execute better Create more value +7% vs sep-25 Customer volumes +6% vs 9M25 Gross operating profit 2,7% 9M26 Customer margin 34,8% 9M26 Cost-to-income ratio 1,84% sep-26 NPL ratio 13,2% sep-26 CET1 €901M Net profit 9M26 +15% vs sep-25 Shareholder value generation1 1. TBVps + DPS paid since sep-25 20,4% ROTE +24bps vs sep-25 +11% +108bps vs 9M25 vs sep-25
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22nd of October 2026 Earnings Presentation 9M2026
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/03 34Appendix Highlights Results & solvency Businesses & geographies Outlook & growth priorities /01 /02 /03 /04
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35 € millions 3Q26 vs. 3Q25 vs. 2Q26 Net Interest Income 602 6% 2% Net Fees 210 7% (11%) Other (18) n/a n/a Gross Operating Income 795 5% (4%) Operating costs (283) 2% 3% Operating profit 511 7% (7%) Credit provisions and other provisions (97) (4%) (9%) Profit before taxes 414 10% (7%) Tax on income (119) 10% (8%) Net profit 295 9% (6%) Appendix 3Q26 P&L summaryA.2
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36 Appendix ALCO bond portfolio continues to support NII momentum Limited balance sheet risk, predominantly fixed-rate, held-to-collect and moderate in size 2,4x13%ALCO Portfolio / Total assets ALCO Portfolio / Equity ALCO Portfolio distribution % of total as of sep-26 HTC FV Total vs. jun-26 vs. dec-25 Amount (€Bn) 15,7 1,2 16,9 +0,7 +1,9 Duration (years) 4,7 2,9 4,6 -0,1 0,0 Avg. maturity (years) 8,1 3,0 7,7 -0,2 -0,3 Yield (%) 2,7 2,5 2,7 +0,1 +0,2 Unrealised capital losses(€M) -643 -26 -669 -577 1 -613 A.2 65% 24% 11% Spanish sovereign Other sovereign Other 154 1.023 1.906 911 12.879 2026 2027 2028 2029 ≥2030 83% Fixed rate ALCO maturity € million 1. QoQ change in unrealized losses: HTC -€557M and FV -€20M. The FV movement had an impact of approximately -3bps on CET1 during the quarter.
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37 Appendix Other income and expensesA.2 € million 9M26 vs. 9M25 Equity method 36 0% Trading & dividend income 34 (15%) Subtotal 70 (8%) Other operational income/expenses (85) 25% Total (15) n.a.
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38 EBA Stress test. CET1 impact (bps) on adverse scenario 8,36 8,59 4,36 0,30 0,12 -0,16 0,01 4,59 dec-25 mar-26 jun-26 Retained earnings RWAs TULP impact Intangibles & others sep-26 Appendix Solid capital generation and differential resiliency CET1 evolution in Q326 Breakdown in % A.2 1 CET1 FL ratio 12,99% 2 1bp of the minimum requirement increment corresponds to the Dutch countercyclical buffer 3 Min. MREL requirement + CBR: 23,5% Buffer Minimum 12,72 13,18 13,2% CET1 1 sep-26 Differential regulatory resiliency -56 -162 -186 -187 -265 -282 Bankinter Spanish Peer 1 Spanish Peer 2 Spanish Peer 3 Spanish Peer 4 Spanish Peer 5 Most resilient listed bank in Spain and in the Eurozone Pillar II (P2R) capital requirement 4º lowest out of 110 SSM European entities1,50%Leverage 5,3% MREL3 27,5% Total capital 17,7% +42bps organic generation 12,96 2 12,91
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39 12,94% 13,18% 1,85% 1,72% 2,99% 2,75% 4,73% 6,06% 2,91% 3,78% 25,42% 27,49% sep-25 sep-26 CET1 AT1 Tier 2 Senior non-preferred + other subordinated liabilities Senior preferred Appendix Minimum requirement for own funds and eligible liabilities MREL ratio % RWAs (TREA) A.2 Requirement + CBR: 23,0% Requirement + CBR: 23,5% 22,5% Subordination 23,7% Subordination
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40 Equities; 28% Mixed; 26% Fixed income; 32% Monetary funds; 8% Alternative Investment and others; 6% 03.A.3 Mutual and pension funds diversification %, sep-26 24 25 26 28 29 29 32 33 16 17 18 19 20 20 21 218 8 9 9 9 9 10 11 5 5 5 5 5 5 5 5 4 4 5 5 5 5 5 6 58 59 62 66 69 69 75 76 dec-24 mar-25 jun-25 sep-25 dec-25 mar-26 jun-26 sep-26 Mutual Funds with Third Parties Bk Mutual Funds Advisory Management Alternative Investment Funds Pension Funds €Bn Customer Off-Balance Sheet AUMs AUMs: Well diversified asset classes Appendix +15% 10Bn€ YoY FY25: +19% | +11MM€ Sep-26 a/a: +15% | +10MM€
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41 263 309 373 0,25% 0,30% 0,35% 0,40% 0,45% 0,50% 0,55% 0,60% 0,65% 0 100 200 300 400 500 600 9M24 9M25 9M26 23 28 33 32 38 43 55 66 76 sep-24 sep-25 sep-26 Third-party Investment Funds Bankinter Products 3,8 5,0 2,6 sep-24 sep-25 sep-26 € billion Wealth Management AUMs +18% YoY +13% YoY € billion, % Wealth management: outstanding franchise with strong inflows Inflows Management & Service Fees Income Annualized € million +21% YoY Appendix A.3 +38% +15%
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42 03. € billion Customer Off-Balance sheet AuCs Brokerage and Custody activity 48 59 68 25 25 2873 84 96 sep-24 sep-25 sep-26 Equity Securities Fixed Income Securities New custody accounts Brokerage and custody income In thousands Appendix A.3 12 16 15 0 2 4 6 8 10 12 14 16 18 sep-24 sep-25 sep-26 143 166 175 0,03% 0,04% 0,05% 0,06% 0,07% 0,08% 0,09% 0,0 50,0 100,0 150,0 200,0 250,0 9M24 9M25 9M26 +32% +14% Annualized € million +5% YoY
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43 18% 18% 31% 21% 12% 2017 - 2018 2019 - 2020 2021 - 2022 2023 - 2024 2025-2026 16% 25% 22% 22% 16% 69 82 164 145 144 163 67 72 69 86 105 107 45 23,0 181 154 233 231 249 292 3,2 4,0 4,6 5,1 5,3 5,4 -3 -2 -1 0 1 2 3 4 5 6 00 50 100 150 200 250 300 350 2021 2022 2023 2024 2025 9M26 annualized NII Fees + Investment yield Extraordinaries Commited capital Bankinter Investment: sustained growth driven by scale and recurring income 32 Structured vehicles + €2,4Bn Cumulative payout € million except for committed capital (€Bn) Alternative investments & vintage profile # structured vehicles Gross operating income 1 €Bn committed capital by vintage 32 €5,4Bn 1 Pro-forma data of Bk Investment contribution to group incomes + 20.000 Bankinter Investors A.3 10% CAGR21-26 in Fees Appendix As of sep-26 2,4x Gross operating income ‘26 annualized vs ‘21
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44 Glossary - Acronyms Concept Definition ALCO Asset–Liability Committee APMs Alternative performance measures AUCs Assets under custody AUMs Assets under management BoS / BoP Bank of Spain / Bank of Portugal, Central banks from Spain and Portugal respectively BKT Bankinter CAGR Compound annual growth rate CET1 Common Equity Tier 1 Customer volumes Includes loan book, retail funds and AUMs Customer wealth Includes volumes in accounts and deposits, AUMs and AUCs from Wealth and Retail customers EPS Earnings per share, calculated as net profit excluding AT1 costs divided by the number of shares outstanding, excluding treasury shares. ESMA European Securities and Markets Authority FV Fair Value HTC Held to collect INE Instituto Nacional de Estadística, Spanish national statistics institute LtD Loan-to-Deposit MREL Minimum Requirement for own funds and Eligible Liabilities NPL Non-performing loan P2R (Pillar II) It is a specific capital requirement for each entity that complements the minimum capital requirement (known as Pillar 1 requirement) in cases where it undervalues or does not cover certain risks. It is determined in the context of the Supervisory Review and Evaluation Process(SREP) ROE Return on Equity ROTE Return on Tangible Equity RWAs Risk weighted assets SICAV Investment Company with Variable Capital SREP Supervisory Review and Evaluation Process SSM Single Supervisory Mechanism TBV Tangible Book Value A