Slides
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31 OCTOBER 2025 3Q25 Results
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2 The purpose of this presentation is purely informative and should not be considered as a service or offer of any financial product, service or advice, nor should it be interpreted as, an offer to sell or exchange or acquire, or an invitation for offers to buy securities issued by CaixaBank, S.A. (“CaixaBank”) or any of the companies mentioned herein. The information contained herein is subject to, and must be read in conjunction with, all other publicly available information. Any person at any time acquiring securities must do so only on the basis of such person’s own judgment as to the merits or the suitability of the securities for its purpose and only on such information as is contained in such public information set out in the relevant documentation filed by the issuer in the context of such specific offer or issue and after taking any professional or any other advice as it deems necessary or appropriate under the relevant circumstances and not in reliance on the information contained in this presentation. CaixaBank cautions that this presentation might contain forward-looking statements concerning the development of our business and economic performance. Particularly, both the financial and non-financial information from CaixaBank Group (“Group”) related to results from investments has been prepared mainly based on estimates (including environmental, social or governance (“ESG”) performance targets). While these statements are based on our current projections, judgments and future expectations concerning the development of our business, a number of risks, uncertainties and other important factors could cause actual developments and results to differ materially from our expectations. Such factors include, but are not limited to, the market general situation, macroeconomic factors, regulatory, political or government guidelines and trends, movements in domestic and international securities markets, currency exchange rates and interest rates, changes in the financial position, creditworthiness or solvency of our customers, debtors or counterparts, as well as our ability to meet ESG expectations or undertakings, which may depend largely on the actions of third parties, such as our decarbonisation targets, etc. These risk factors, together with any other ones mentioned in past or future reports, could adversely affect our business and the levels of performance and results described, including those related to ESG performance. Other unknown or unforeseeable factors, and those whose evolution and potential impact remain uncertain, could also make the results or outcome differ significantly from those described in our projections and estimates. Statements as to historical performance, historical share price or financial accretion are not intended to mean that future performance, future share price or future earnings for any period will necessarily match or exceed those of any prior year. Nothing in this presentation should be construed as a profit forecast. In addition, it should be noted that although this presentation has been prepared based on accounting registers kept by CaixaBank and by the rest of the Group companies it may contain certain adjustments and reclassifications in order to harmonise the accounting principles and criteria followed by such companies with those followed by CaixaBank, as in the specific case of Banco Português de Investimento (“BPI”), so that, the relevant data included in this presentation may differ from those included in the relevant financial information as published by BPI. In particular, regarding the data provided by third parties, neither CaixaBank, nor any of its administrators, directors or employees, either explicitly or implicitly, guarantees that these contents are exact, accurate, comprehensive or complete, nor are they obliged to keep them updated, nor to correct them in the case that any deficiency, error or omission were to be detected. Moreover, in reproducing these contents in by any means, CaixaBank may introduce any changes it deems suitable, may omit partially or completely any of the elements of this presentation, and in case of any deviation between such a version and this one, CaixaBank assumes no liability for any discrepancy. This statement must be taken into account by all those persons or entities that may have to make decisions or prepare or disseminate opinions regarding securities issued by CaixaBank and, in particular, by analysts and investors who handle this document. All of them are encouraged to consult the documentation and public information communicated or registered by CaixaBank with the National Securities Market Commission (Comisión Nacional del Mercado de Valores, “CNMV”). In particular, it should be noted that this document contains unaudited financial information. In relation to Alternative Performance Measures (APMs) as defined in the guidelines on Alternative Performance Measures issued by the European Securities and Markets Authority on 5 October 2015 (ESMA/2015/1415), this presentation uses certain APMs, which have not been audited, for a better understanding of the company's financial performance. These measures are considered additional disclosures and in no case replace the financial information prepared under the International Financial Reporting Standards (IFRS). Moreover, the way the Group defines and calculates these measures may differ to the way similar measures are calculated by other companies. Accordingly, they may not be comparable. Please refer to the Glossary section of the relevant CaixaBank’s Business Activity and Results Report for a list of the APMs used along with the relevant reconciliation between certain indicators. This presentation has not been submitted to the CNMV or to any other authority in any other jurisdiction for review or for approval. Its content is regulated by the Spanish law applicable at the date hereto, and it is not addressed to any person, or any legal entity located in any other jurisdiction and therefore it may not be compliant with the relevant regulations or legal requirements as applicable in any such other jurisdiction. Notwithstanding any legal requirements, or any limitations imposed by CaixaBank which may be applicable, permission is hereby expressly refused for any type of use or exploitation of the content of this presentation, and for any use of the signs, trademarks and logotypes contained herein. This prohibition extends to any kind of reproduction, distribution, transmission to third parties, public communication or conversion by any other mean, for commercial purposes, without the previous express consent of CaixaBank and/or other respective proprietary title holders. Any failure to observe this restriction may constitute a sanctionable offense under the current legislation. Disclaimer Presentation prepared with Group data at closing of 30 September 2025, unless otherwise indicated.
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3 CONTENTS Highlights
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4 €4,397 M +3.5% yoy(7) ~17%9M25 Net income FY25e RoTE(8) » Volumes beat expectations # of clients(1) 390K yoy Performing loans +7% yoy Customer funds +7% yoy » NII resumes growth (+1.4 % qoq) » Revenues from services up (+5.7% 9M yoy) » Solid capital supports high distributions Interim dividend(4) €1.2 Bn; DPS: €0.1679 (+13% yoy) Protection premia(2) +13% yoy » % NPL at record low (2.27%) with CoR (24 bps ttm) in line with improved FY guidance(3) % CET1 12.44% (7th SBB deducted) 6th SBB €500 M (~85% executed)(5) 7th SBB(6) NEW €500 M HighlightsHighlights Growth outperformance fuels sustainable value (1) In Spain. (2) Refer to the Appendix for definition. (3) Improved to “<25 bps” (vs. previous guidance of “~25 bps”). (4) Approved by the BoD on 30 Oct-25 to be paid in Nov-25, corresponding to 40% payout over 1H25 results. (5) Based on 24 Oct-25 ORI, 52.7 M shares have been acquired for €423.6M, equiv. to 84.7% of the max. consideration (vs. 46.5 M shares, €367.6M, and 73.5% by 30 Sep. 2025). (6) Approved by the BoD on 30 Oct. 2025, after having received the relevant regulatory approval. Details to be informed in due course. (7) 9M25 Net income +0.6% yoy PF with 2024 banking levy accrued on a linear basis (for consistency with accrual in 2025). (8) Improved vs. previous guidance of “>16%”. Refer to slide 26 for additional details on FY25e guidance.
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5 H I G H L I G H T S Iberian economies expected to keep outpacing the Eurozone GDP projections revised upwards SOVEREIGN RATING UPGRADES (2) A+ from A A+ from A A from A- A from A- A3 from Baa1 CONTINUED OUTPERFORMANCE OF THE IBERIAN ECONOMIES Current Projection 2026e 1.2% 2.4% 1.6%1.3% 2.9% 1.8% Eurozone Spain Portugal 1.1% 2.0% 2.0% 1.2% 2.1% 2.0% Eurozone Spain Portugal Consumption(8,9) Investment(9,10) Exports of services(9) Low private sector leverage(11) +3.3% yoy +7.6% yoy +9.5% yoy -30 pp vs. Eurozone Key growth engines PMIs highlight the relative strength of the Spanish economy Composite PMI, Sep-25(3) 53.8 52.0 51.7 51.2 48.1 Spain Germany Italy Eurozone France 50 ExpansionContraction The labour market remains solid Workers registered to the Social Security system (Spain)(4), million 18 19 20 21 22 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 3Q25 ~0.5M yoy 21.7 M Higher disposable income… Household gross disposable income (Spain)(5), ttm in €Tn …with high savings rate 0.7 0.8 0.9 1.0 1.1 3Q19 3Q20 3Q21 3Q22 3Q23 3Q24 €1.04T n 6.2% yoy Household savings rate (Spain)(6), ttm as % 8.6% 12.8% 2000-19 avg. 2Q25(7) Real GDP(1), % yoy Previous Projection 2025e (1) CaixaBank Research forecasts as at Oct-25 vs. Jul-25 forecasts. (2) S&P Global: Sep-25 for Spain, Aug-25 for Portugal; Fitch Ratings: Sep-25 for Spain and Portugal; Moody’s: Sep-25. (3) Source: S&P Global. (4) Source: Spanish Ministry of Inclusion, Social Security and Migration. Quarterly avg., seasonally adjusted. (5) Source: INE. (6) In % of disposable income. Source: INE. (7) Historical pre-COVID average. (8) Household consumption. (9) Source: 3Q25 National accounts, INE. (10) Gross fixed capital formation. (11) Difference between respective debt to GDP ratios (125.8% Spain, 155.5% Eurozone). Includes household and NFC non-consolidated debt in loans and debt securities. Source: Eurostat. 2Q25. 2Q25
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6 H I G H L I G H T S Strong operating momentum Business volume growth accelerates Business volume (1), €Bn 965 1,019 1,088 Sep-23 Sep-24 Sep-25 +6.8% yoy 50% 53% 55% 61% 61% 63% 72% P6 P5 P4 P3 P2 P1 Increasing our client base Number of clients in Spain, in millions 18.2 18.4 18.8 Sep-23 Sep-24 Sep-25 390 K yoy Gaining market share − Market shares in Spain (4) CONSUMER LOANS +22 bps yoy 20.0% BUSINESS LOANS +41 bps yoy 23.6% +29 bps yoy 36.9% PAYROLL DEPOSITS DEPOSITS +12 bps yoy 24.8% LIFE -RISK INSURANCE +133 bps yoy 27.3% (1) Customer performing loans + funds. (2) Calculated as % penetration as primary bank divided by % total penetration. Based on 2025 FRS Inmark data. Peer group: BBVA, Bankinter, ING, Sabadell, Santander, and Unicaja. (3) Source: FRS Inmark, 2025. (4) Market shares corresponding to stock: as at Sep-25 for payrolls, pension deposits; consumer loans, business loans, and deposits; Jun-25 for life-risk insurance. Based on data from the Bank of Spain, TGSS, and ICEA. Loans and deposits correspond to other resident sectors. PENSION DEPOSITS +21 bps yoy 34.3% RETAIL CLIENT PENETRATION (3) 40.4% +100 bps yoy Reinforced leadership % of clients (individuals aged 18+ in Spain) for whom the entity is their primary bank (2)
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7 H I G H L I G H T S A cornerstone for client acquisition and growth (1) As % of total 16-34-year-old mobile banking users in Spain. Source: GfK DAM (September 2025). Peer group: Bankinter, BBVA, ING, Revolut, SAB, SAN. (2) In Spain. Based on data from TGSS. September 2025. (3) Customer loans + funds. (4) In % of total new customer onboarding in Spain (CaixaBank + imagin) in the last 12 months. NOTE: Refer to the Appendix for additional details about imagin. Unique proposition blending full digital experience with incumbent advantages 40% 24% 22% 19% 9% 9% 5% P1 P2 P3 P4 P5 P6 Mobile banking leader 16-34y old mobile banking penetration in Spain (1), % imagin clients, in millions Strong growth in # of clients,… … in key anchor products… … and business volume 2.7 3.5 3.9 YE21 Sep-24 Sep-25 +11% yoy 9.9 16.7 20.6 YE21 Sep-24 Sep-25 +24% yoy imagin business volume (3), €Bnimagin market share in payrolls (2), % 5.3% 8.1% 9.0% YE21 Sep-24 Sep-25 +90 bps yoy Group new client acquisition (4): breakdown AN ENGINE OF CLIENT ACQUISITION FOR THE GROUP ~50% Group market share in payrolls (2): breakdown ~50% ~27.9% ~9% COMPLETE RANGE OF SOLUTIONS imagin business volume (3): breakdown 28% 72% Group ex imagin Group ex imagin Loans Funds 19% Mortgages 9% Consumer loans 60% Sight dep. 8% Term dep. 4% WM 56% of adult imagin clients have recur. income flows deposited into imagin Travel debit card RECENT INITIATIVES Bitcoin ETP (coming soon) Bizum teens Cashback €21 Bn Sep-25
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8 H I G H L I G H T S Swift rollout of client-focused strategic initiatives to unlock value Examples of recent initiatives(1) Leveraging IT to boost commercial activity and customer experience Digital onboarding (8) 9M25 +39 % yoy Digital sales (9) 9M25 +24 % yoy ~50 % yoy Response time for card -related incidents 20 % yoy Responsiveness in handling client inquiries (1) All figures in the slide correspond to Spain. (2) Loans for used cars and used/new motorcycles via Facilitea, plus leasing of used cars. (3) 9M25. Including vehicle financing through CaixaBank. (4) Based on INE data. June 2025. (5) For Apple. For Android, it was launched in May 2023. (6) 9M25. Apple and Android. (7) Based on ICEA data. June 2025. (8) Individual clients in Spain (+24% in adult clients). (9) To individual clients in Spain. Dec-24 Apr-25 May-25 Jun-25(5) Aug-25 Sep-25 Sep-25 Tap to pay Stablecoin consortium MyBox Vidacare 10 Oct-25 ~45K Listed properties ~900K visits to the platform since launch ~18K Financed vehicles(2) ~€2.9Bn New financing for vehicles(3): +33% yoy 1st bank in Spain to offer the service ~40% ≥ 65y old penetration(4) >30K employees trained to serve seniors ~1.1 M Transactions(6) +35% qoq Market share in life-risk(7)27% More comprehensive coverage 9 European banks 1st Spanish bank to back a stablecoin initiative >100 Partner brands Personalised rewards Flexible instalment plan for online purchases
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9 H I G H L I G H T S o/w: BUSINESS LENDING +7.9% yoy +0.3% qoq Perf. business loans in Spain and Portugal (4), % yoy(3)Performing residential mortgages, % yoy(3) +5.0% yoy +1.5% qoq RESIDENTIAL MORTGAGES CONSUMER LENDING Performing consumer loans, % yoy(3) +10.5% yoy +2.9% qoq PERFORMING LOANS(1), 30 September 2025 €368 Bn (1) Refer to Appendix for additional details. (2) Qoq evolution affected by positive seasonality in Q2 related to public pension advances; +0.9% qoq adjusted for that effect. (3) Cumulative growth of the stock over the last 12 months. (4) Excludes loans from CIB branches in countries other than Spain and Portugal. Loan-book expansion accelerates -4.0% -1.1% 5.0% Sep-23 Sep-24 Sep-25 -3.5% -0.6% 4.5% Sep-23 Sep-24 Sep-25 2.3% 6.2% 10.5% Sep-23 Sep-24 Sep-25 +6.7% yoy -0.2% qoq(2)
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10 H I G H L I G H T S Higher origination driven by loan demand NEW LENDING (1) €Bn (Group ex BPI) 375 bps9M25 FB LOAN YIELD (2), bps New lending (Group ex BPI), €Bn ~90% (5) to clients with income flows paid into CABK deposits 93% at fixed rate(3) 25.6% market share in new lending(4); strict underwriting criteria New lending to SMEs(7) accounted for ~50% of 9M25 origination (1) New mortgages, consumer, and business loans. (2) Group ex BPI. Yields are compiled from long-term lending production data (loans and credit facilities, including those that are syndicated) of CaixaBank, S.A. (Spain) and MicroBank, excluding public sector. (3) Breakdown of 9M25 new mortgage production: 93% at fixed rate, 6% floating, and 1% hybrid. (4) Market share in new mortgages in Spain (trailing 3 months as at August 2025). Based on data from Bank of Spain. (5) % over personal loans granted by CaixaBank. (6) Includes loans, syndicate loans, and credit facilities (excluding factoring and confirming) from Business Banking, RE business, Corporate Banking in Spain, and International Branches. (7) Business Banking segment in Spain. 42.3 51.1 61.3 9M23 9M24 9M25 +20% New residential mortgages New consumer lending New business lending (6) 6.7 10.3 14.4 9M23 9M24 9M25 7.9 9.0 10.1 9M23 9M24 9M25 27.7 31.7 36.7 9M23 9M24 9M25 +39% +12% +16%
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11 H I G H L I G H T S Customer funds remain on a rising trend driven by both deposit and wealth management – offsetting seasonality qoq CUSTOMER FUNDS(1), 30 September 2025 o/w: DEPOSITS & OTHERS(2) WEALTH MANAGEMENT(3) +8.6% yoy +3.2% qoq+5.8% yoy -1.4% qoq CUSTOMER FUNDS UP YOY underpinned by net inflows into wealth management and deposits plus market tailwinds Customer funds waterfall yoy, €Bn 673.8 720.2 +12.9 +9.2 +24.4 Sep-24 Sep-25 (1) Refer to Appendix for additional details. (2) Deposits (including retail securities issuances), “Other funds”, and “Other managed resources”. (3) Mutual funds (including portfolios and SICAVs), pension plans, and savings insurance. (4) Growth considering cumulative net inflows over the last 12 months only, excluding any market impacts during that period. (5) Sep-2025. Spain and Eurozone based on the ECB data (includes demand and term deposits from households and non- financial businesses). Net inflows into wealth mgmt. (ex markets) Market effect (wealth mgmt.) Deposits & others(2) €720 Bn +6.9% yoy +0.4% qoq GROWTH ACCELERATION Deposits + Wealth management balances(3), % yoy ex market effects on wealth management(4) 4.6% 5.7% Sep-23 Sep-24 Sep-25 Additionally, (+) market contribution in the last 12M → +€9.2 Bn OUTPERFORMANCE vs. SECTOR UNDERSCORES DEPOSIT FRANCHISE STRENGTH Deposit balances(5), % yoy 2.8% 5.3% 6.2% Eurozone Spain 0.0% +6.9%
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12 H I G H L I G H T S Record inflows bolster wealth management growth (1) Mutual funds (including portfolios and SICAVs), pension plans, and savings insurance. (2) Includes managed portfolios and SICAVs. (3) Includes unit linked. (4) Combined market share including mutual funds, pension plans, and savings insurance. Peer group includes: BBVA, Ibercaja, SAN. Based on latest published information by ICEA and INVERCO. September 2025 for CaixaBank (for savings insurance, sector data is internal estimate); June 2025 for peers. (5) As at September 2025, based on latest available data from ICEA and INVERCO (for savings insurance, sector data is internal estimate). Wealth management balances A robust and distinctive advisory model Net inflows at all-time high 9M Net inflows breakdown % yoy by product 75% Mutual funds(2) and pension plans Savings insurance(3) 25% 5.7 8.8 10.3 9M23 9M24 9M25 +80.2% +16.8% €10.3 Bn Net inflows into wealth management(1) (ex market effects), €Bn €Bn, eop Mutual funds(2) +12.1% Pension plans +3.7% Savings insur.(3) +5.8% #1 in wealth management in Spain In % of total Market share by total WM AuMs(4), % 29% 12% 12% 6% Peer 1 Peer 2 Peer 3 Market share by product(5) 34.1% #1 #1 23.2% #1 Pension plans Mutual funds Strengthening of the private banking division Savings insur. 37.5% 228.7 257.5 279.5 Sep-23 Sep-24 Sep-25 +8.6%
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13 H I G H L I G H T S Positive dynamics in protection insurance underpinned by commercial dynamism and product innovation (1) 9M25 earned premia on an annualised basis. Includes VidaCaixa life-risk premia (excluding BPI Vida e Pensoes) plus SegurCaixa Adeslas non-life premia sold through the bancassurance network. (2) CABK ex BPI and considering life-risk and non- life risk premia sold through the bancassurance channel. All insurance products (including single premium with multiannual tenor) are presented on an annual basis to facilitate comparisons across all product lines. Historical series were restated to reflect measurement enhancements. (3) In Spain. Based on latest available data from ICEA (June 2025 except for accident insurance that correspond to YE24). (4) VidaCaixa earned life-risk premia (excluding BPI Vida e Pensoes) on an annualised basis. Protection insurance premia(1) 30 September 2025, % yoy +12.7% LIFE-RISK: +13.8% NON-LIFE: +12.0% o/w: POSITIVE PRODUCTION DYNAMICS BOLSTERED BY MYBOX OFFERING AND INCREASED LOAN ORIGINATION 9M25 ttm new protection premia(2): breakdown by segment, % Life-Risk 46% Non-Life 54% OTHER 8% HEALTH 19% €763 M HOME 13% AUTO 14% CONTINUOUS MARKET SHARE GAINS Market shares in Spain(3) LIFE-RISK PORTFOLIO: MyBox in % of total premia(4) 56% 62% Sep-24 Sep-25 INCREASING WEIGHT OF MYBOX 80% PRODUCTION: MyBox in % of 9M25 ttm new protection premia HEALTH INSUR. HOME INSUR. 30.7% 11.2% +51 bps yoy +10 bps yoy PERSONAL ACCIDENT INSUR. 12.4% +167 bps yoy 18.7% 27.3% 2017 2019 2021 2023 Sep-25 LIFE-RISK +133 bps yoy
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14 H I G H L I G H T S Volume growth exceeds strategic plan targets − across-the-board (1) Cumulative growth of the stock over the last 12 months. (2) Customer performing loans plus funds. (3) Earned premia on an annualised basis. Includes VidaCaixa life-risk premia (excluding BPI Vida e Pensoes) plus SegurCaixa Adeslas non- life premia sold through the bancassurance network. 30 Sep-25 yoy(1) 2025e-27e target Business volume(2) 6.8% >4% CAGR Performing loans 6.7% 4% CAGR Residential mortgages 5.0% >2% CAGR Consumer loans 10.5% >6% CAGR Business loans 7.9% >5% CAGR Customer funds 6.9% >4% CAGR Deposits 6.2% >3% CAGR Wealth management 8.6% >6% CAGR Protection insurance(3) 12.7% 10% CAGR
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15 H I G H L I G H T S Paving the way for sustainable profitability and high distributions €0.84 +13% yoy EPS(1) €0.1679 +13% yoy Interim DPS(2) SBBs €500 M 6th SBB ongoing(3) 7th SBB(4) NEW €500 M (1) Profit attributed to the Group ttm, divided by the average number of shares outstanding (excluding treasury shares). EPS PF with 2024 banking levy accrued on a linear basis throughout the year at €0.82 and +10% yoy. (2) Approved by the BoD on 30 October 2025 to be paid in November 2025 and corresponding to 40% payout over 1H25 results. (3) Based on 24 Oct-25 ORI, 52.7 M shares have been already acquired for €423.6M, equivalent to 84.7% of the maximum consideration (vs. figures as at 30 September 2025 of 73.5% executed and 46.5 M shares acquired for €367.6M). (4) Approved by the BoD on 30 October 2025, after having received the relevant regulatory approval. Details to be informed in due course. (5) Threshold for additional distribution (subject to ECB and BoD approval), corresponding to the upper bound of 2025 %CET1 target (11.5%-12.25%). From 2026, the upper bound/threshold is 12.5%. 12.44% CET1 post 7th SBB deduction − above 2025 threshold(5)
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16 CONTENTS P&L and Balance Sheet
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17 P & L A N D B A L A N C E S H E E T ROTE €M 3Q25 3Q24 % yoy % qoq Net interest income 2,674 2,794 -4.3% +1.4% Revenues from services(1), o/w: 1,302 1,225 +6.2% -0.1% Wealth management 511 456 +11.9% +5.8% Protection insurance 298 275 +8.4% +3.8% Banking fees 492 494 -0.2% -7.5% Other revenues 101 72 +40.3% +12.1% Dividends 0 1 -67.0% -95.5% Equity accounted 118 103 +14.8% +56.1% Trading income 44 42 +5.7% -33.5% Other op. income & expenses(2) (61) (73) -16.4% +7.2% Revenues 4,077 4,092 -0.4% +1.2% Total operating expenses (1,620) (1,535) +5.5% +1.3% Pre-impairment income 2,458 2,557 -3.9% +1.1% Loan-loss charges (245) (238) +2.6% +37.7% Other provisions (57) (76) -24.8% -7.9% Gains/losses on disposals and other (28) (28) +0.1% +16.0% Pre-tax income 2,128 2,215 -3.9% -1.8% Tax, minority & other(3) (683) (642) +6.3% -0.4% Net income 1,445 1,573 -8.1% -2.5% Net income PF(4) 1,445 1,450 -0.3% -2.5% Pro memoria Fees 975 923 +5.6% -1.1% Insurance service result 327 302 +8.1% +3.2% NII resumes growth qoq −adding momentum to the growing contribution to net income from WM and insurance (1) Equivalent to the sum of “Net fees” and “Insurance service result”. Refer to the Appendix for additional details. (2) % qoq affected by the reversal of the solidarity levy in Portugal in 2Q25 (+€22M). (3) 2025 includes impact from banking tax (-€150M in Q3, -€148M in Q1 and Q2) and write-up of TLCFs and deductions (+€98M in Q3, +€84M in Q2, and +€67M in Q1). (4) 3Q24 and % yoy PF with 2024 banking levy accrued on a linear basis throughout the year. (5) Improved to “<25 bps” (vs. previous guidance of “~25 bps.”). (6) PF with 2024 banking levy accrued on a linear basis (for consistency with accrual in 2025). Reported % RoTE ttm at 17.8%. CONSOLIDATED INCOME STATEMENT REVENUES NII returns to growth in Q3, on higher volumes, lower funding costs, and ALCO more than offsetting impact from loan index resets Revenues from services up yoy with broad-based support; stable qoq as positive trends neutralise seasonal factors: • Wealth management: another strong progression on higher net inflows compounded by (+) market effect • Protection insurance: on a growing trend underpinned by commercial dynamism • Banking fees yoy supported by high CIB activity; qoq affected by seasonality Other revenues grow double-digit on the back of equity accounted income; qoq benefits from positive SegurCaixa Adeslas seasonality COSTS Costs evolve in line with guidance PROVISIONS & OTHER LLCs and CoR aligned with improved FY guidance(5) Other provisions down yoy/qoq; Gains/Losses stable yoy Tax, minority & other: includes impact from banking tax and DTA write-up % RoTE PF(6) ttm at 17.4%
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18 P & L A N D B A L A N C E S H E E T On a successful journey of growth and profitability (1) Contribution of the banking activity in Portugal to the Group’s consolidated results excluding, among other items, earnings from equity investments in BFA and BCI. (2) BPI segment. (3) Performing loans plus customer funds. YE17 customer funds exclude Portuguese treasury bond placements. (4) Sector ex BPI. Total loans plus customer funds, based on data from Bank of Portugal (September 2025). (5) Source: Bank of Portugal, latest available data (August 2025). (6) Households and non-financial businesses. (7) Market shares excluding corporate bonds. Market share for loans and business loans including corporate bonds at 12.0% and 12.2%, respectively. (8) 2022 figure restated under IFRS 17/9. 2018-21 figures as reported historically (IFRS 4). (9) % NPLs in credit to the resident private sector (households and non-financial businesses), based on latest available information published by the Bank of Portugal (June 2025). (10) With non-material impact on Group’s equity and solvency ratios. 2018: 1st year with full year consolidation of BPI into CaixaBank Group 11.7% 11.1% 10.6% 18.2% Net income, 9M25 €351 M BPI Segment(1) VOLUME GROWTH CONSISTENTLY BEATING THE MARKET WIDESPREAD MARKET SHARE GAINS 2017-25, bpsMarket share in Portugal(5), % 8.0% 10.8% 19.5% 2018 2019-24 avg. Sep-25 ttm INCREASED PROFITABILITY RoTE(2,8), % 63.7% 53.5% 40.6% 2018 2019-24 avg. Sep-25 ttm EFFICIENCY IMPROVEMENT % recurrent C/I (2,8), % LOW % NPL WELL BELOW THE SECTOR % NPL(2) , eop 4.2% 2.2% 1.5% 2018 2019-24 avg. Sep-25 Sector(9) 2.8% 49.5 63.9 69.4 YE17 Sep-24 Sep-25 Business volume(2,3), €Bn eop 85% NPL coverage Disposal of 14.7% of BPI’s stake in BFA(10) in Q3 Business loans(7) Deposits(6) Savings insurance +233 +276 +84 +382 Loans(6,7) +8.5% % STAKE BY END OF Q3 33.4% +40% → vs. +23% sector(4)
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19 P & L A N D B A L A N C E S H E E T 185 182 177 171 168 163 160 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 2,781 2,791 2,794 2,741 2,646 2,636 2,674 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 €8,367 M 9M24 €7,957 M 9M25-4.9% +1.4% -4.3% NIM evolution bps (1) Includes impact from loan index resets and deposit repricing, NII from insurance, cash balances, and financial intermediaries. (2) NII from loan and deposit volume growth. Refer to the Appendix (glossary) for additional details. (3) Includes NII from structural deposit hedges, bond portfolio, and wholesale funding. (4) Refer to the Appendix for additional information. (5) Excludes SAREB bonds. (6) Excluding, for CaixaBank ex BPI, structural deposit hedges and FX and international branch deposits. QoQ NII BRIDGE , €M CUSTOMER SPREAD AND YIELDS MAINLY REFLECT INDEX RESETS – bps 387 378 363 347 335 317 306364 358 343 331 320 309 302 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Customer spread ex hedges and FX(6) Customer spread 462 459 447 427 403 375 355 98 101 104 96 83 66 53 75 81 84 80 68 58 49 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 Net loan yields Client funds costs Client funds costs ex hedges and FX(6) NII IMPROVEMENT EXPECTED TO ACCELERATE FROM 2H26 e NII back to growth in Q3 as higher volumes, lower funding costs, and ALCO more than offset loan repricing 2,636 2,674 (70) +75 +33 2Q25 3Q25 Client yields and others(1) ALCO(3)Business volume(2) Leaving the bottom behind Diminishing impact from client yields Growing benefit from higher volumes Continued support from ALCO, with both the fixed bond portfolio and structural deposit hedges up in Q3(4): • ALCO book(5): €77.0Bn; +€2.6Bn qoq • Hedges: €58.5Bn; +€5.0Bn qoq NII evolution, €M
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20 P & L A N D B A L A N C E S H E E T Deposit strength, key to early NII turnaround Steady deposit growth mainly driven by non-interest-bearing balances 286.1 282.6 282.1 282.2 284.6 289.7 296.9 78.5 87.5 98.4 105.5 105.3 106.6 108.9 364.7 370.1 380.5 387.7 389.9 396.4 405.8 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 +6.6% T otal Interest- bearing Non- interest- bearing 3Q yoy, in €Bn +25.3 +10.5 +14.8 Non-interest bearing Interest bearing Total deposits breakdown(1), averagequarterly balance,€Bn Interest-bearing client deposits(1) , % of total (quarterly average) 25.9%23.7% 27.2% 26.8% 21.5% GRADUAL REDUCTION Continued deposit cost reduction as indexed deposits rapidly reflect rate resets Interest-bearing client deposits average yield(2) per quarter, % 2.98% 2.95% 2.87% 2.59% 2.28% 1.92% 1.66% 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 (1) Including FX and excluding employee deposits, international branch deposits, retail securities, and other outside the commercial network scope. (2) % yield (quarterly average) over remunerated interest-bearing deposits as detailed in note 1, excluding hedges. (3) Indexed balances in % of total on-balance sheet client funds (excluding insurance) that are being remunerated (including FX, international branch deposits, employee deposits, retail securities, and other and excluding hedges). End-of-period as at 30 September 2025. (4) Source: Bloomberg. Quarterly average €STR(4): qoq, bps -5 -23 -44 -48 -25 Indexed in % of interest- bearing balances(3) ~50% 027.0% 26.9% -53
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21 P & L A N D B A L A N C E S H E E T Revenues from services up 5.7% yoy in 9M25 −stable qoq as strong commercial dynamism and market tailwinds offset seasonal factors (1) Refer to the Appendix for additional details. (2) Adjusted excluding positive one-off at BPI in 2Q24 (+€16M). Unadjusted figure: +2.2% 9M yoy. REVENUES FROM SERVICES (1) €M Wealth management Protection insurance Banking fees Wealth mgmt. +11.9% yoy +5.8% qoq Protection +8.4% yoy +3.8% qoq Banking fees -0.2% yoy -7.5% qoq Double-digit growth yoy on higher net inflows and market tailwinds Strong growth yoy underpinned by commercial momentum Banking fees stable yoy, with continued support from CIB; qoq affected by seasonality +13.4% % yoy +0.9% 1,512 1,526 854 873 1,308 1,484 3,674 3,883 9M24 9M25 +4.2% adj.(2) +5.7% +6.2% QUARTERLY EVOLUTION, €M 3Q 25 495 524 494 536 502 532 492 282 297 275 285 287 287 298 420 431 456 501 490 483 511 1,197 1,252 1,225 1,321 1,278 1,303 1,302 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 -0.1%
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22 P & L A N D B A L A N C E S H E E T 51.1% 39.2% Euro peer avg. … AND WELL BELOW PEER AVERAGE Costs evolve as guided with C/I broadly stable at low levels COSTS EVOLVE IN LINE WITH GUIDANCE Operating costs, €M yoy qoq +5.5% +1.3% 1,508 1,520 1,535 1,545 1,580 1,599 1,620 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 BREAKDOWN BY MAIN CATEGORY % C/I REMAINS AT LOW LEVELS… % C/I ttm(1) (1) Historical series PF adjusted to exclude impact from banking levy in 2023 and 2024, for consistency with 2025. (2) Weighted average, based on latest reported data by peers. Peer group: top 10 banks by market capitalisation included in the SX7E index as at 30 September 2025. (3) FY21 %C/I excluding extraordinary expenses. (2) 3Q25 % yoy % qoq 9M25 % yoy PERSONNEL 998 +5.1% +0.4% 2,973 +5.7% GENERAL EXPENSES 418 +7.7% +2.4% 1,234 +6.0% DEPRECIATION 203 +3.5% +3.6% 591 +0.9% TOTAL 1,620 +5.5% +1.3% 4,798 +5.2% 54.0% 42.3% 39.2% 2014-21 avg. 2022-24 avg. 3Q25 % C/I ttm since FY21 -19 pp -8 pp €M and % CABK(3) Euro area peer avg.(2)
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23 P & L A N D B A L A N C E S H E E T Strong credit quality metrics with CoR in line with improved FY guidance LOWER NPLS AND RECORD -LOW % NPL ON SUPPORTIVE ORGANIC TRENDS NPLs(1) (€Bn) and % NPL(1) 13.6 10.7 10.5 10.2 10.1 9.6 9.3 3.0 5.0 7.0 9.0 11. 0 13. 0 D-21 D-22 D-23 D-24 M-25 J-25 S-25 3.59% 2.73% 2.74% 2.61% 2.54% 2.33% 2.27% % NPL by segment, 30 September 2025 (1) Includes non-performing contingent liabilities (€530M by end of September 2025). (2) Includes other loans to individuals (excluding consumer lending), loans to the public sector, and contingent liabilities. (3) Ratio between total impairment allowances on loans to customers and contingent liabilities over non-performing loans and advances to customers and contingent liabilities. The ratio of total impairment allowances over total loans and advances to customers and contingent liabilities stands at 1.6% as at 30 September 2025 (vs. 1.6% as at June 2025 and 1.8% as at December 2024). (4) Evolution of unassigned collective provisions: stable qoq and +€2M ytd. (5) Improved to “<25 bps” (vs. previous guidance of “~25 bps”). Mortgages 2.1% -50 bps ytd Consumer loans 2.9% -27 bps ytd Business loans 2.5% -20 bps ytd Other(2) 1.9% -37 bps ytd REINFORCED %NPL COVERAGE AND ABOVE HISTORICAL AVERAGE, WITH OVERLAYS UNUSED YTD % NPL coverage(3) 59% 69% 72% 2014-23 avg. Dec-24 Sep-25 €6.7 Bn Total provision funds o/w: €341 M Unassigned collective prov.; qoq and ytd(4) 268 218 238 332 195 178 245 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 +3pp CoR AT LOW LEVELS AND IN LINE WITH IMPROVED FY GUIDANCE (5) 9M25 annualised CoR ttm (%) LLCs (€M) €725 M 9M24 €617 M 9M25 LLCs (€M) -14.9% 0.29% 0.29% 0.28% 0.27% 0.25% 0.24% 0.24% 0.20 %
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24 P & L A N D B A L A N C E S H E E T Ample liquidity reserves keep regulatory ratios well above peer average % LCR(1) 199% % NSFR 148% % ASSET ENCUMBRANCE 13.5% % LTD 86.0%Comfortable liquidity metrics 30 September 2025 (eop) LIQUIDITY SOURCES(3) (1) % LCR at 30 Sep-2025. 12-month average % LCR at 30 Sep-2025: 203%. (2) Customer demand plus time deposits (excluding retail securities) minus loans. +€2.4 Bn ytd. (3) From 1Q25, liquidity sources include other eligible available assets beyond ECB deposit facilities and HQLAs. (4) Based on latest Pillar 3 available data: Sep-2025 for CaixaBank and Jun-2025 for peers’ weighted average. Peer group includes top 10 entities (excluding CaixaBank) in the SX7E index by market cap as at 30 Sep- 2025. (5) CaixaBank’s %LCR 12M avg. and % NSFR eop as at 30 June 2025 at 207% and 150%, respectively. (6) Deposits covered by the Deposit Guarantee Fund (deposits €100,000 per account holder) in % of total deposit balances. COMMERCIAL GAP(2) €50 Bn 114 229 60 55 HQLAs Eligible available assets ex HQLA Covered bond issuance capacity Total (3) LIQUIDITY RATIOS WELL ABOVE PEER AVERAGE… €Bn, 30 September 2025 % LCR (12-month average)(4,5) % NSFR (eop)(4,5) 141% 203% Peer avg. 121% 148% Peer avg. …WITH A STRONG AND STABLE DEPOSIT BASE Stable retail deposits + wholesale operational deposits in % of total deposit balances(4) 51% 68% Peer avg. Retail deposits(4) Insured deposits(6) in % of total deposits(4) Wholesale deposits(4) 77% 23% 61% +2% yoy
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25 P & L A N D B A L A N C E S H E E T Strong capital accretion supports high distributions €500M from 7th SBB already deducted from solvency ratios (1) June 2025 updated with the latest officially reported data. (2) 7th SBB deducted in full. Approved by the BoD on 30-Oct-2025, after having received the relevant regulatory approval. Details to be informed in due course. (3) Includes capital accretion from net income and reduced capital consumption from DTAs. (4) Threshold for additional distribution (subject to ECB and BoD approval) corresponding to the upper bound of FY25 %CET1 target (11.5%-12.25%). From FY26, the upper bound is 12.5%. (5) Book value (eop) divided by total number of outstanding shares (excluding treasury shares). (6) Based on 24 Oct-25 ORI, 52.7 M shares have been already acquired for €423.6M, equivalent to 84.7% of the maximum consideration (vs. figures as at 30 September 2025 of 73.5% executed and 46.5 M shares acquired for €367.6M). (7) Corresponding to 40% payout over 1H25 results as approved by the BoD on 30 October 2025 and to be paid in Nov-25. (8) Source: EBA. %CET1 depletion corresponding to the difference between projected YE27 % CET1 under the adverse scenario and YE24 fully loaded % CET1 under CRR3. Peer group: top 10 entities by market capitalisation included in SX7E (excluding CaixaBank) as at 30 Sep-25. (9) Weighted average of the 64 European banks included in the 2025 EU-wide stress test conducted by the EBA. EARNINGS -DRIVEN CAPITAL GENERATION SUPPORTS SUSTAINED SHAREHOLDER RETURNS % CET1 qoq (1), % and bps 12.47% 12.26% 12.44% Dividend accrual @60% & AT1 coupons +67 bps (38 bps) (3 bps) (8 bps) Capital accretion(3) Markets & Others Organic RWAs (21 bps) 30.1 30.3 CET1, € Bn 241.8 243.7 RWA, € Bn Jun -25 Sep -25Jun -25 PF SBB 29.6 241.8 7th SBB(2) 5.6% 5.6% Leverage ratio5.5% CREATING SHAREHOLDER VALUE €500 M €500 M €2,028 M €0.2864/sh. €1,181 M €0.1679/sh. +6.9% yoy BVPS(5): €5.47 5th SBB completed in Mar-25 FY24 final dividend paid in Apr-25 6th SBB launched in Jun-25(6) FY25 Interim dividend(7) to be paid in Nov-25 New 7th SBB announced, to be executed(2) €500 M 2025 EBA STRESS TEST RESULTS UNDERSCORE CAPITAL STRENGTH CET1 FL drawdown under YE27 adverse scenario vs. YE24 (8), in bps -62 -162 -173 -186 -187 -213 -215 -225 -226 -273 -304 -337 P1 P2 P3 P4 P5 P6 P7 P8 P9 P10Europ. avg.(9) FY25 threshold4) >12.25%
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26 F Y 2 5 e G U I D A N C E A N D C A P I T A L T A R G E T S FY25e guidance and capital targets 2025 % CET1 Management target 2025 % Cash payout target 50-60% 2025 % CET1 threshold for additional distribution(4) 12.25% 11.5% - 12.25% CoR(2) Revenues from services Operating costs NII(1) RoTE(3) <0.25%0.27% FY24 FY25e Up mid - single -digit €4,995 M +4.6% yoy Up c.5%€6,108 M +4.9% yoy Down ~4%€11,108 M +9.8% yoy ~17%18.1% (1) Improved vs. previous guidance of “Down mid-single-digit”. (2) Improved vs. previous guidance of “~0.25%”. (3) Improved vs. previous guidance of “>16%”. (4) Subject to ECB and BoD approval. Improved vs. previous guidance
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27 CONTENTS Appendix A 1 . 3 Q 2 5 S u p p l e m e n t a r y i n f o r m a t i o n A 2 . P & L : G r o u p , b y p e r i m e t e r, a n d b y s e g m e n t A3 . R a t i n g s A 4 . C a i x a B a n k G r o u p : K e y f i g u r e s A 5 . G l o s s a r y
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28 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N Interest rate sensitivity management: targeting 12-24M NII sensitivity of ±7.5% to ±100 bps parallel shift in interest rates (1) Data as at 30 September 2025. (2) % of on-balance sheet client funds (excluding insurance) that are remunerated (including FX, international branch deposits, employee deposits, retail securities and other and excluding hedges). (3) Hedges executed by end of Sep. 2025 in % of total deposits at 30 Sep. 2025. (4) Excluding AT1. (5) Structural hedges over core deposits (non-sensitive to rates), receiving fixed rate and paying floating rate (€STR). (6) Future average fixed rate leg. (7) Including hybrid mortgages (which have a fixed interest rate for a period of time and floating afterwards). Excludes fixed-rate loans maturing or repricing in <1 year. (8) It compares to €80.2 Bn by YE24 and it includes ALCO book (€77.0 Bn) and SAREB bonds (€15.8 Bn). (9) Excludes SAREB bonds (2.0% yield, 0.2 years duration). When including those SAREB bonds, total yield at 1.6% and duration at 3.1 years. (10) Including EU: Austria, Belgium, France, Germany, Italy, the Netherlands, and core SSAs. (11) Mainly includes US Treasuries, Investment Grade corporates, and others. % OF FLOATING LIABILITIES % OF FIXED ASSETS % of interest -bearing on balance -sheet client funds (2) 29% o/w 50% indexed % of deposits with hedge to floating (3) 14% % of floating wholesale funding (4) 99% Fixed -rate mortgages (7) vs. YE21 +€42 Bn % of loan -book at fixed rate (7) 34% Bond portfolio (8) €92.8 Bn o/w 80% at fixed rate STRUCTURAL DEPOSIT HEDGES (5) €Bn DEPOSITS WITH STRUCTURAL HEDGE TO FLOATING (5) 1.7 13.3 2.5 6.0 6.0 6.0 4.0 3.0 5.0 3.0 3.0 3.0 2.0 4Q26 1Q27 2Q27 3Q27 4Q27 1Q28 2Q28 3Q28 4Q28 1Q29 2Q29 3Q29 4Q29 Maturities as at 30 September 2025, €Bn Yield(6), in % -0.2 -0.1 3.0 2.2 2.2 2.2 2.4 2.2 2.0 2.1 2.1 1.9 2.0 ALCO BOOK (9) 6.0 6.4 7.2 10.0 10.4 57.3 57.7 61.6 64.3 66.6 63.3 64.2 68.8 74.3 77.0 S-24 D-24 M-25 J-25 S-25 FV-OCI AC€Bn Yield(9): 1.5% Duration(9): 3.7 years Maturity profile as at 30 September 2025, €Bn 2.8 8.8 7.8 13.6 10.9 10.2 7.6 9.7 2.6 2.9 2025 2026 2027 2028 2029 2030 2031 2032 2033 >2033 Yield, in % -0.0 0.4 1.6 1.1 1.5 1.5 1.7 2.2 2.5 3.1 Breakdown by main exposure ytd, pp Spain 53% EU (10) 35% Portugal 3% Other (11) 9% -5 +7 -2 Key drivers to reduce sensitivity(1) 37.0 50.0 53.5 53.5 58.5 S-24 D-24 M-25 J-25 S-25 Yield(6): 1.6% Avg. maturity: 2.4 years
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29 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N MREL structure and issuances MREL STRUCTURE VS. REQUIREMENTS Group MREL stack(1) as at 30 September 2025 vs. requirements(2), % of RWAs 2025 ISSUANCES 12.44% 14.39% 16.94% 24.92% 1.96% 2.55% 7.98% 2.97% 8.67% 10.50% 12.94% 16.69% 24.42% 27.89% CET1 Tier 1 Total Capital Sub. MREL MREL MREL stack / components(1) SREP and MREL Requirements for 2025(2) REGULATORY RATIOS (4) M-MDA BUFFER (3) 347 bps €8.5 Bn 12.25% 14.21% 16.76% 24.73% 27.70% MDA BUFFER (3) 376 bps (1) MREL ratios exclude €0.7Bn Senior Preferred with <1 year maturity which is no longer eligible. (2) SREP requirements for 2025 with P2R at 1.75%, O-SII buffer at 0.50%, countercyclical buffer at 0.13%, and systemic risk buffer in Portugal at 0.06%. Note that the implementation of the counter-cyclical buffer in Spain increases the requirement by 37 bps from October 2025. (3) MDA (CET1) and M-MDA buffer based on management capital ratios and SREP requirements as detailed in note 2. Regulatory MDA buffer at 358 bps and regulatory M-MDA buffer at 328 bps. (4) From 2025 onwards, and according to supervisory expectations, banks that contemplate extraordinary distributions must deduct any CET1 surplus above the established threshold. Ratios based on management criteria do not include such deduction. (5) CABK ex BPI. It includes SNP private placement for €150M (3.5NC2.5). (6) Net AT1 issuance in 2025 of €0.5Bn. In 1Q25 and 3Q25, respectively, €836M and €170M of the 5.25% €1.25Bn AT1 Perp-non call March 2026 were repurchased though tender offers, leaving €245M outstanding. (7) Long-term issuer credit ratings assigned to CaixaBank, S.A. Rating upgraded in October 2025 by Moody’s and Fitch, and September 2025 by S&P. €Bn eq. 2025 Issuances (5) SP 1.5 SNP 3.7 Tier 2 1.0 AT1(6) 1.5 TOTAL 7.7 Breakdown of 2025 issuances by currency, % of total in € eq. €7.7 Bn eq. Total issued 67 % EURO 33 % USD Rating upgrades (7) A2 from A3 A+ from A A- positive from A- stable
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30 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N Wholesale funding: back-book volumes, costs and maturities (1) It includes ABS placed with investors (to depict the impact of wholesale issuances on funding costs of CaixaBank’s banking book). It does not include AT1 issues. Wholesale funding figures in the Quarterly Financial Report reflect the Group’s funding needs and as such do not include ABS securities nor self-retained multi-issuer bonds but include AT1 issuances. (2) Maturities refer either to the first call date for callable instruments or to the contractual redemption date for bullet instruments. (3) It includes Covered Bonds and ABS securities placed with investors. (4) Includes SP, SNP, Tier 2, and AT1. (5) Excluding AT1s. AT1 coupons are paid through reserves with no impact on NII. Outstanding AT1 issues of €4.7 Bn with an average reset spread of mid-swap +468 bps. WHOLESALE MATURITIES (2)WHOLESALE FUNDING COSTS AFFECTING NII Group ex BPI, as at 30 September 2025 2025 2026 2027 >2027 Total €Bn 2.2 7.2 8.2 32.4 49.9 o/w Liquidity bonds(3) 0.6 0.1 3.1 6.2 9.9 o/w MREL instruments(4) (o/w AT1) 1.6 (-) 7.1 (0.2) 5.1 (0.8) 26.2 (3.8) 40.0 (4.7) Spread over 6M Euribor(5) − bps 97 93 128 146 133113 115 130 129 133 Spread over 6M Euribor, bps Volumes − Wholesale funding back-book volumes(1), €Bn Group ex BPI, as at 30 September 2025 52 52 48 45 45 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25
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31 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N Carrying amount Fair Value (FV) Carrying amount – FV(3) Deposits 468.4 442.3 +26.2 Debt securities issued & other 58.3 59.7 (1.4) Financial liabilities at amortised cost 526.7 502.0 +24.7 Carrying amount Fair Value (FV) FV – Carrying amount Loans and advances 384.7 396.3 +11.6 Debt securities 84.4 82.2 (2.3) Financial assets at amortised cost 469.1 478.5 +9.4 ASSETS(2) (1) Does not include insurance business. (2) Net of associated derivatives except cash flow hedging. (3) For liabilities, when the carrying amount exceeds the fair value it implies a positive impact on economic value. LIABILITIES(2) +€34.1 BnTOTAL (ASSETS AND LIABILITIES) As at 30 September 2025, €Bn As at 30 September 2025, €Bn Carrying amount Fair Value (FV) Carrying amount – FV(3) Deposits 434.4 411.2 +23.2 Debt securities issued & other 62.1 63.2 (1.1) Financial liabilities at amortised cost 496.5 474.4 +22.1 Carrying amount Fair Value (FV) FV – Carrying amount Loans and advances 366.2 381.4 +15.2 Debt securities 75.6 72.5 (3.1) Financial assets at amortised cost 441.9 454.0 +12.1 ASSETS(2) LIABILITIES(2) TOTAL (ASSETS AND LIABILITIES) As at 31 December 2024, €Bn As at 31 December 2024, €Bn +€34.2 Bn Fair value of assets and liabilities(1) measured at amortised cost
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32 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N Group customer loans and funds (1) Unsecured loans to individuals, excluding loans for home purchases. Includes personal loans as well as revolving credit card balances; excluding float. (2) Includes retail securities issuances (€474M as at 30 September 2025). (3) Refer to the Appendix (Glossary) for definition. LOAN BOOK Breakdown, €Bn CUSTOMER FUNDS Breakdown, €Bn 30 Sep 25 % yoy % ytd % qoq I. On-balance-sheet funds 518.8 +6.5% +4.6% -0.4% Deposits 427.6 +6.2% +4.3% -1.1% Demand deposits 363.8 +7.3% +5.6% -1.8% Time deposits(2) 63.8 -0.0% -2.8% +2.8% Insurance 83.7 +5.9% +4.6% +2.0% o/w unit linked 25.6 +13.4% +9.2% +5.3% Other funds 7.5 +37.7% +28.1% +22.9% II. Off-balance-sheet AuM 195.5 +9.8% +6.9% +3.7% Mutual funds, portfolios and SICAVs 144.7 +12.1% +8.7% +4.0% Pension plans 50.8 +3.7% +2.0% +2.8% III. Other managed resources 5.9 -30.3% -9.0% -29.9% Total Customer funds 720.2 +6.9% +5.1% +0.4% Wealth management(3) 279.5 +8.6% +6.2% +3.2% 30 Sep 25 % yoy % ytd % qoq I. Loans to individuals 183.5 +4.4% +3.9% -0.8% Residential mortgages 139.2 +4.4% +4.0% +1.4% Other loans to individuals 44.3 +4.2% +3.5% -7.2% o/w consumer loans(1) 23.2 +10.3% +8.8% +2.8% o/w other 21.1 -1.8% -1.8% -16.2% II. Loans to businesses 174.5 +7.5% +4.2% +0.2% o/w international CIB branches 32.3 +25.5% +14.2% +4.3% Loans to individuals & businesses 358.1 +5.9% +4.0% -0.3% III. Public sector 18.6 +14.4% +9.7% +1.2% Total loans 376.7 +6.3% +4.3% -0.3% Performing loans 367.9 +6.7% +4.7% -0.2%
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33 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N Loan portfolio – additional information (1) CABK ex BPI. (2) Internal estimate. CABK ex BPI. (3) Internal estimates referred to floating-rate residential mortgages of clients with income flows paid into CaixaBank. CABK ex BPI. (4) CABK ex BPI individual client mortgages, excluding those not referenced to Euribor. (5) Including COVID-19 ICO loans in Spain and COVID-19 public support lines in Portugal. (6) Loans with fixed payment schedules. It excludes products such as revolving credit facilities or reverse factoring with no pre-established payment schedules (€1.5 Bn outstanding balance by 30 September 2025). (7) Includes amortisations and cancellations. (8) Outstanding balance under Stage 3 (includes subjective NPLs, ie. NPLs for reasons other than >90 days past due) over amount of total loans granted plus the outstanding balance of revolving credit facilities. RESIDENTIAL MORTGAGE PORTFOLIO CABK ex BPI as at 30 September 2025: breakdown by date of origination, % of total • 3Q25 new mortgages(1): 93% at fixed rate; 75% avg. LTV • Floating-rate residential mortgage portfolio: o Average monthly installment estimated at €520(2) o Average affordability ratio estimated at 23%, increasing to <24% with Eur12M at 3% (3) after 2015 before 2012 2012-2015 56% 39% 5% % of total by origination date Total €122.5 Bn 59% 47% 51% 54% Current LTV 84% 9% 14% 51% % Fixed rate GOVERNMENT GUARANTEED LOANS (5) Outstanding balance as at 30 September 2025, €Bn Total o/w Spain (ICO) Loans to individuals 0.2 0.2 Other loans to individuals 0.2 0.2 Loans to businesses 5.0 4.6 Public sector 0.0 0.0 TOTAL 5.2 4.8 PERFORMING FLOATING MORTGAGES (4) Breakdown by level of Euribor 12M at latest reset, in % of total as at 30 Sep. 2025 Euribor 2.5% Euribor > 3% 2.5% < Euribor 3% 46% 33% 21% 2Q253Q25 66% 27% 7% • 83% of ICO loans(6) granted already amortised(7) • 4.2% of ICOs classified under stage 3(8)
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34 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N Gross lending and provisions by stages and breakdown of refinanced loans (1) Including self-employed. GROSS LENDING AND PROVISIONS BY STAGES Group as at 30 September 2025, €Bn Group as at 30 September 2025, €Bn REFINANCED LOANS Stage 1 Stage 2 Stage 3 TOTAL (a) Loans and advances 344.6 23.2 8.8 376.7 (b) Contingent liabilities 32.5 2.0 0.5 35.1 Total (a) + (b) 377.2 25.2 9.3 411.8 Loan book exposure Stage 1 Stage 2 Stage 3 TOTAL (c) Loans and advances (0.7) (0.8) (4.8) (6.4) (d) Contingent liabilities (0.0) (0.0) (0.3) (0.3) Total (c) + (d) (0.7) (0.9) (5.1) (6.7) Provisions Total o/w NPLs Individuals(1) 2.7 1.8 Businesses 3.2 2.0 Public Sector 0.0 0.0 Total 5.9 3.8 Provisions (2.1) (1.9)
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35 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N Additional information on imagin imagin is a digital lifestyle and financial services platform launched by CaixaBank in 2016. It was initially aimed at younger, digitally native customers but it has since evolved into a mobile-first ecosystem that combines banking products with lifestyle content, sustainability initiatives, and exclusive experiences. Through strategic repositioning, imagin has strengthened its brand identity and user engagement, aligning closely with CaixaBank’s digital transformation and ESG goals. As a result, it plays a central role in attracting and retaining fully digital clients and is considered a key lever in the Group’slong-term value creation strategy. FROM AN APP TO FULL BANKING SUITE 2021 2022 2023 2024 2025 • Accounts • Credit/debit cards • Payroll deposits • Mortgages • Student loans • Roboadvisor ‘imagin & invest’ • Neobroker, investment funds • Expanded offering for an increasingly mature and high-potential audience • Dedicated remote manager for high- value customers • Travel debit card • Personal loans • Life-risk insurance • “Digital” savings • Auto loans • Travel loans KEY FIGURES Sep-25 YE24 % ytd Clients, Million 3.9 3.6 +8% o/w adults 3.0 2.8 +10% Business volume, €Bn 20.6 17.7 +17% o/w customer funds 14.9 13.7 +9% o/w customer loans 5.7 4.0 +43% % NPL 1.0 % 1.1% -8 bps A NEOBANK, WITH A COMPLETE PRODUCT OFFERING − SUPPORTED BY THE LARGEST PHYSICAL FOOTPRINT IN SPAIN • Bizum teens • Cashback • imagin e-Card • Bitcoin ETP(1) (1) Coming soon.
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36 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N (1) Current presentation (by nature and service provided) introduced in 1Q24. (2) Includes €9M in 3Q25 / €26M in 9M25 mainly from unit linked products at BPI that were not affected by IFRS 17/9. (3) Including equity accounted income and dividends. (4) NII, net fees, insurance service result, and core revenues from insurance investments under the previous presentation of revenues. NII, wealth management revenues, protection insurance revenues, banking fees, and core revenues from insurance investments (the latter presented under “Other revenues”) in the current presentation by nature and service provided. (5) Mutual funds (including managed portfolios and SICAVs) and pension plans. Excluding unit linked products, mainly from BPI, that are currently included within “Life-savings insurance”. (6) Includes unit linked (previously accounted within “Insurance Service Result” with some within “Pension plan fees and other”). 3Q25 9M25 Net interest income 2,674 7,957 (a) Net fees and commissions, o/w: 975 2,923 (b) Recurrent banking fees 411 1,260 (c) Wholesale banking fees 82 266 (d) Mutual funds + pension plan fees and other (2) 378 1,088 (e) Insurance distribution fees 105 309 (f) Insurance service result, o/w: 327 960 (g) Life-risk insurance result 194 564 (h) Life-savings insurance result 97 294 (i) Unit linked result 36 102 (j) Income from investments(3), o/w: 118 324 (k) Revenues from insurance investments 105 250 (l) Other 13 74 (m) Trading 44 180 (n) Other operating income/expenses (61) (226) (o) Revenues 4,077 12,118 o/w Revenues from services 1,302 3,883 (b) + (g) o/w Core revenues(4) 4,081 12,090 (a)+(b)+(g)+(l) 3Q25 9M25 Net interest income 2,674 7,957 (a) Wealth management revenues, o/w: 511 1,484 (p) = (e) + (i) + (j) AuMs (5) 369 1,062 (e) Life-savings insurance (6) 142 421 (i) + (j) Protection insurance revenues, o/w: 298 873 (q) = (f) + (h) Life-risk insurance 194 564 (h) Insurance distribution fees 105 309 (f) Banking fees, o/w: 492 1,526 (r) = (c) + (d) Recurrent banking fees 411 1,260 (c) Wholesale banking fees 82 266 (d) Other revenues, o/w: 101 278 (k) + (n) + (o) Revenues from insurance investments 105 250 (l) Other income from investments (ex insurance inv.) 13 74 (m) Trading 44 180 (n) Other operating income/expenses (61) (226) (o) Revenues 4,077 12,118 o/w Revenues from services 1,302 3,883 (p)+(q)+(r) o/w Core revenues(4) 4,081 12,090 (a)+(p)+(q)+(r)+(l) ACCORDING TO NATURE AND SERVICE PROVIDED (CURRENT PRESENTATION) (1) €M ACCORDING TO ACCOUNTING HEADING €M Revenues breakdown: by nature and service provided vs. by accounting heading
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37 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N Wealth management revenues Breakdown by main category, €M and % Revenues from services: breakdown Banking fees Breakdown by main category, €M and % Protection insurance revenues Breakdown by main category, €M and % • Strong growth in wealth management revenues yoy, with support from both AuM and life-savings insurance • Growth underpinned by higher net inflows complemented by (+) market effect • Life-risk revenues up on commercial dynamism • Insurance distribution fees reflect positive organic trends in the quarterly evolution; 9M yoy affected by positive one-off at BPI in 2Q24 (+€16M → +5.1% 9M25 yoy adjusted excluding this impact) • Banking fees +0.9% 9M yoy, on the back of strong CIB activity and a gradual stabilisation of recurrent fees • Qoq evolution reflects usual seasonally-low activity in 3Q 3Q25 % yoy % qoq 9M25 % yoy ASSETS UNDER MANAGEMENT 369 +14.4% +6.7% +13.9% LIFE SAVINGS INSURANCE 142 +6.0% +3.3% +12.3% TOTAL 511 +11.9% +5.8% +13.4% 3Q25 % yoy % qoq 9M25 % yoy LIFE-RISK INSURANCE 194 +10.0% +3.2% +3.7% INSURANCE DISTRIBUTION 105 +5.6% +4.8% -0.4% TOTAL 298 +8.4% +3.8% +2.2% 3Q25 % yoy % qoq 9M25 % yoy RECURRENT BANKING FEES 411 -7.3% -3.9% -4.6% WHOLESALE BANKING FEES 82 +61.6% -22.0% +39.1% TOTAL 492 -0.2% -7.5% +0.9%
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38 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N WEALTH MANAGEMENT 17% 28% 38% Portugal Spain Eurozone PROTECTION INSURANCE % of CaixaBank clients(2) with non-life insurance products(8), by origin Portugal Spain Eurozone 2.8% 3.0% 3.6% (1) As at September 2025, based on ICEA and INVERCO (sector data for savings insurance are internal estimates). (2) Individual clients in Spain, by origin. (3) Including mutual funds, pension plans, savings insurance, and securities. Note that synergy target for wealth management considers both increasing penetrations and margins. (4) Excluding clients shared by former Bankia network and CABK. (5) CABK clients as at March 2021 (merger date), including those shared with former Bankia. (6) Source: Eurostat. Latest available data (June 2025). (7) Based on latest available data from ICEA (September 2025). (8) Includes home, health, dental, and auto insurance as well as other non-life insurance for self-employed. (9) Source: Allianz Global Insurance Report 2025, latest available data (2024). Spanish life-risk insurance market(7): premia in €Bn 3.5 4.0 0.7 1.6 2016 Sep-25 ttm Rest of the market CABK (VidaCaixa) 403 556 111 228 2016 Sep-25 ttm Rest of the market CABK Spanish wealth management market(1): AuMs in €Bn Non-life insurance premia in % of GDP by country or region(9) 17.9% 21.3% 27.3% Mar-21 Sep-25 Sep-25 Clients from former Bankia(4) Other CABK clients(5) % of CaixaBank clients(2) with wealth management products(3), by origin Wealth management products in % of total household savings by country or region(6) 10.8% 15.5% 21.0% Mar-21 Sep-25 Sep-25 Clients from former Bankia(4) Other CABK clients(5) Additional information on wealth management and protection insurance 2016-2025, % +38% Sector ex CABK +106% CABK +15% Sector ex CABK +116% CABK 2016-2025, %
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39 A 1 . 3 Q 2 5 S U P P L E M E N T A R Y I N F O R M A T I O N Sustainability: 9M25 highlights End-of-period cumulative figure Target ADVANCING TOWARDS A MORE SUSTAINABLE ECONOMY(1) Mobilisation of sustainable finance(2) €33 Bn >€100 Bn 2025-27 % of financial income generated by sustainable financing(3) 16.2%(4) 17% 2027 % of high-carbon emission companies (NZBA scope)(5) with whom a dialogue is maintained annually to support and finance their sustainable transition 68% 90% 2025-27 PROMOTE SOCIAL AND ECONOMIC PROSPERITY # of people with inclusive solutions promoted by CaixaBank(6) >1.75 M Continuous monitoring of a KPI # of jobs generated with CaixaBank’s support(7) >38,500 150,000 Cumulative 2025-27 # in ranking of listed banks in Spain for senior customers(8) #2 #1 2027 % of customers aged 50-67 years with wealth management products 31% 33% 2027 > TO BE A BENCHMARK IN SUSTAINABILITY Sustainability ratings(9) vs. European peers(10) Above avg. in 5 ratings Above avg. in ≥3 ratings(11) (1) Note that this ambition includes an additional indicator, "Meeting the annual NZBA targets aligned with the 2030 pathways and establishing action plans in case of misalignment“, which is measured annually. (2) Group. Refer to the Appendix (Glossary) for definition. (3) Ex BPI. Based on YE24 data and given the improved quality of available information, the target for 2027 was revised to be set at 17% (previously 15%). (4) 1H25, as this KPI is measured semi-annually. (5) Clients under NZBA perimeter as at 31 December 2024, excluding individual clients, subsidiaries engaged through their parent company, and Project finance-only customers. (6) Includes social accounts, microcredits, and users of mobile branches, among others. (7) Jobs generated with support from MicroBank microcredits, students supported by Dualiza, and entrepreneurs supported by “Tierra de Oportunidades”. (8) Ranking based on NPS (last 12 months) and considering banks with market capitalisation >€10 Bn – benchmark analysis BMKS by Stiga (Sep-2025). (9) MSCI, S&P, Sustainalytics, Fitch, and ISS. (10) Peers included in the SX7E. (11) And, in those where this is not achieved, maintain the rating at YE24. OTHER 9M25 HIGHLIGHTS • World’s Best Bank for Sustaining Communities 2025 by Global Finance; Best Bank for Diversity and Inclusion, and Best ESG Bank 2025 in Portugal (BPI) by Euromoney • The only bank in Green & Human, Spain’s leading collaborative association for sustainable tourism • €100M in financing lines granted via CaixaBank and MicroBank to support recovery from wildfires • Launch of Generación+, a new product and service line designed to address the challenges of longevity, support senior well-being, and tackle neurodegenerative diseases • Launch of the new Auto ECO loan for individuals buying more sustainable vehicles, offering 2% bonus at signing • CaixaBank Volunteering carried out >21,400 activities in 9M25, reaching >526,000 beneficiaries • MicroBank has been recognised with a WSBI-ESBG SDG Awards for its contribution to SDGs through financial inclusion and sustainable development 20 25 -20 27 SUSTAINABILITY PLAN : PRIORITIES AND KEY TARGETS Evolution of main KPIs vs. target, 30 September 2025 1. 2.
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40 A 2 . P & L : G R O U P, B Y P E R I M E T E R , A N D B Y S E G M E N T Group P&L − €M (1) Equivalent to the sum of “Net fees” and “Insurance service result”. 3Q25 2Q25 1Q25 4Q24 3Q24 2Q24 1Q24 9M25 9M24 Net interest income 2,674 2,636 2,646 2,741 2,794 2,791 2,781 7,957 8,367 Revenues from services (1), o/w: 1,302 1,303 1,278 1,321 1,225 1,252 1,197 3,883 3,674 Wealth management 511 483 490 501 456 431 420 1,484 1,308 Protection insurance 298 287 287 285 275 297 282 873 854 Banking fees 492 532 502 536 494 524 495 1,526 1,512 Other revenues 101 90 86 18 72 161 (482) 278 (248) Dividends 0 5 53 1 1 93 5 59 99 Equity accounted 118 76 72 37 103 65 56 265 224 Trading income 44 67 69 44 42 76 61 180 179 Other op. income & exp. (61) (57) (108) (64) (73) (73) (604) (226) (750) Revenues 4,077 4,030 4,011 4,080 4,092 4,205 3,496 12,118 11,793 Total operating expenses (1,620) (1,599) (1,580) (1,545) (1,535) (1,520) (1,508) (4,798) (4,563) Pre-impairment income 2,458 2,431 2,431 2,535 2,557 2,685 1,988 7,319 7,230 LLCs (245) (178) (195) (332) (238) (218) (268) (617) (725) Other provisions (57) (62) (43) (82) (76) (103) (91) (163) (271) Gains/losses on disposals and other (28) (24) (7) 44 (28) (44) (8) (59) (80) Pre-tax income 2,128 2,167 2,186 2,165 2,215 2,320 1,620 6,481 6,154 Income tax (681) (683) (715) (624) (639) (649) (614) (2,079) (1,901) Profit / (loss) after tax 1,447 1,484 1,471 1,541 1,576 1,671 1,006 4,402 4,253 Minority interests & other 2 2 1 2 3 1 1 5 5 Net income 1,445 1,482 1,470 1,539 1,573 1,670 1,005 4,397 4,248 Pro memoria Fees 975 986 962 1,001 923 953 902 2,923 2,778 Insurance service result 327 317 316 320 302 299 295 960 896
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41 A 2 . P & L : G R O U P, B Y P E R I M E T E R , A N D B Y S E G M E N T Income statement by perimeter − €M (1) Equivalent to the sum of “Net fees” and “Insurance service result”. 9M25 % yoy 9M25 CABK % yoy 9M25 BPI % yoy Net interest income 7,957 -4.9% 7,303 -4.3% 654 -11.0% Revenues from services(1), o/w: 3,883 +5.7% 3,656 +6.6% 227 -6.9% Wealth management 1,484 +13.4% 1,439 +13.8% 44 +4.1% Protection insurance 873 +2.2% 840 +4.7% 33 -36.6% Banking fees 1,526 +0.9% 1,377 +1.0% 149 +0.2% Other revenues 278 185 93 +5.4% Dividends 59 -40.8% 2 -95.7% 57 +5.5% Equity accounted 265 +18.4% 233 +29.2% 32 -26.8% Trading income 180 +0.8% 170 +3.8% 11 -30.3% Other op. income & exp. (226) -69.9% (220) -69.7% (6) -75.1% Revenues 12,118 +2.8% 11,144 +3.9% 974 -8.7% Total operating expenses (4,798) +5.2% (4,413) +5.6% (385) +0.6% Pre-impairment income 7,319 +1.2% 6,730 +2.8% 589 -14.0% LLPs (617) -14.9% (588) -15.8% (29) +11.3% Other provisions (163) -39.8% (163) -30.7% (0) -99.5% Gains/losses on disposals and other (59) -27.1% (26) -67.8% (32) Pre-tax income 6,481 +5.3% 5,953 +7.7% 528 -15.5% Income tax (2,079) +9.4% (1,940) +12.8% (139) -23.2% Profit / (loss) after tax 4,402 +3.5% 4,013 +5.4% 389 -12.4% Minority interests & other 5 +11.9% 5 +11.9% Net income 4,397 +3.5% 4,008 +5.4% 389 -12.4% Resultado atribuido al Grupo Pro memoria Fees 2,923 +5.2% 2,697 +6.4% 227 -6.9% Insurance service result 960 +7.1% 960 +7.1%
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42 A 2 . P & L : G R O U P, B Y P E R I M E T E R , A N D B Y S E G M E N T Income statement by segment − €M (1) Historical data also included Telefonica until its full divestment in June 2024. (2) Capital allocation to these businesses and to investments considers both the consumption of own funds (at 11.5% of RWAs) and the applicable deductions. (3) Equivalent to the sum of “Net fees” and “Insurance service result”. • BANKING AND INSURANCE: including the results from banking, insurance, AM, real estate and ALCO activities, among others, carried out by the Group essentially in Spain. • BPI: including the results of BPI's domestic banking activity, carried out essentially in Portugal. • CORPORATE CENTER: including, among others, results (net from cost of financing) from stakes(1) in BFA, BCI, Coral Homes, and Gramina Homes. Additionally, the Group's excess capital is allocated to the Corporate Center, calculated as the difference between the Group's total equity and the capital allocated to Banking and Insurance, BPI, and investments in the corporate center(2). The counterpart of the excess capital allocated to the corporate center is liquidity. The operating expenses of each segment include both direct and indirect expenses, which are allocated based on internal criteria. Specifically, expenses of a corporate nature at Group level are assigned to the Corporate Center. SEGMENT REPORTING FROM 1Q22 9M25 % yoy 9M25 % yoy 9M25 % yoy Net interest income 7,216 -4.8% 638 -12.3% 103 +82.2% Revenues from services(3), o/w: 3,656 +6.6% 227 -6.9% Wealth management 1,439 +13.8% 44 +4.1% Protection insurance 840 +4.7% 33 -36.6% Banking fees 1,377 +1.0% 149 +0.2% Other revenues 204 37 +44.3% 37 Dividends 2 -4.0% 7 -16.7% 50 -44.0% Equity accounted 252 +25.6% 15 -4.2% (2) Trading income 170 +3.8% 16 -29.0% (5) -26.0% Other op. income & exp. (220) -69.7% (0) -98.0% (6) +47.9% Revenues 11,077 +4.0% 901 -9.5% 140 -1.6% Total operating expenses (4,360) +5.5% (385) +0.6% (53) +8.6% Pre-impairment income 6,717 +3.0% 516 -15.9% 86 -7.0% LLPs (588) -15.8% (29) +11.3% Other provisions (163) -30.7% (0) -99.5% Gains/losses on disposals & other (41) -49.3% 1 -72.3% (18) Pre-tax income 5,925 +7.6% 488 -11.9% 69 -25.5% Income tax (1,931) +12.2% (137) -23.2% (11) Profit / (loss) after tax 3,994 +5.4% 351 -6.6% 57 -36.1% Minority interests & other 5 +11.9% Net income 3,988 +5.4% 351 -6.6% 57 -36.1% Pro memoria Fees 2,697 +6.4% 227 -6.9% Insurance service result 960 +7.1% Bancassurance BPI Corporate center
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43 A 3 . R A T I N G S Credit ratings 3 October 2025 16 September 2025 7 October 2025 20 December 2024 Outlook stable stable positive stable Covered bonds (1) As at 3 October 2025. (2) As at 18 September 2025. (3) As at 10 January 2025. Aaa(1) AAA(2) AAA(3) SP SNP Tier 2 A2 Baa1 Baa2 A+ BBB+ BBB A A- BBB A (high) A A (low) Long term Short term A2 A+ A- P-1 F1 A-1 A (high) R-1 (middle) Debt instrumentsIssuer Rating - Improved vs. June 2025
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44 A 4 . C A I X A B A N K G R O U P K E Y F I G U R E S CaixaBank Group key figures 3Q25 LEADING BANCASSURANCE FRANCHISE IN SPAIN + PORTUGAL FINANCIAL STRENGTH SUSTAINABLE AND RESPONSIBLE BANKING Clients (Total, in Million) 21 Total assets (€ Bn) 665 Customer funds (€ Bn) 720 Customer loans and advances (gross, € Bn) 377 Market share in loans to individuals and non-financial businesses(1) (%) 23% Market share in deposits from individuals and non-financial businesses(1) (%) 25% Market share in mutual funds(1) (%) 23% Market share in pension plans(1) (%) 34% Market share in savings insurance(1) (%) 37% Market share in Credit/Debit card turnover(1) (% ) 31% (1) In Spain. As at September 2025 (for savings insurance, sector data are internal estimates). (2) Ratios based on management criteria. Regulatory %CET1, %Total Capital, and % MREL at 12.25%, 16.76%, and 27.70%, respectively. (3) Based on management criteria. Regulatory MDA buffer at 358 bps. Net income (9M25, €M) 4,397 Non-performing loan ratio (%) 2.3% NPL coverage ratio (%) 72% % LCR (eop) 199% % NSFR (eop) 148% CET1(2) (% over RWAs) 12.44% Total capital(2) (% over RWAs) 16.94% MDA buffer(3) (bps) 376 MREL(2) (% over RWAs) 27.89% DJSI - S&P Global 86/100 CDP A List Sustainable Fitch 2 MSCI ESG ratings AA ISS ESG QualityScore: E I S I G 1 I 1 I 1
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45 A 5 . G L O S S A R Y Term Definition ABS Asset-backed security. AC Amortised Cost. Adj. Abbreviation of adjusted. Affordability ratio Monthly mortgage instalment over monthly income flows. ALCO Asset – Liability Committee. Asset encumbrance Encumbered assets/Total assets plus collateral received. AT1 Additional Tier 1. AuM / AM Includes mutual funds, managed portfolios, SICAVs, pension plans and some unit linked products at BPI that are not affected by IFRS 17/9. Avg. Average. Banking fees Sum of recurrent banking fees and wholesale banking fees. BCI Banco Comercial e de Investimentos. BFA Banco de Fomento Angola. BoD Board of Directors. bps Basis points. Business volume Client funds plus loans or performing loans. BVPS Book Value per share. Quotient between equity less minority interests divided by the number of outstanding shares at a specific date. C/I ratio Cost-to-income ratio. CAGR Compound Annual Growth Rate. Glossary (I/IV) In addition to the financial information prepared in accordance with International Financial Reporting Standards (IFRS), this document includes certain Alternative Performance Measures (APMs) as defined in the guidelines on Alternative Performance Measures issued by the European Securities and Markets Authority on 5 October 2015 (ESMA/2015/1415). CaixaBank uses certain APMs, which have not been audited, for a better understanding of the company's financial performance. These measures are considered additional disclosures and in no case replace the financial information prepared under IFRS. Moreover, the way the Group defines and calculates these measures may differ to the way similar measures are calculated by other companies. Accordingly, they may not be comparable. ESMA guidelines define an APM as a financial measure of historical or future performance, financial position, or cash flows, other than a financial measure defined or specified in the applicable financial reporting framework. In accordance with these guidelines, following is a list of the APMs used along with a glossary for abbreviations and other. Refer to the Quarterly Financial Report for additional information on APMs and a reconciliation between certain management indicators and the indicators presented in the consolidated financial statements prepared under IFRS. Term Definition CET1 Common Equity Tier 1. CIB Corporate and Institutional Banking. Consumer loans (Group) Unsecured loans to individuals, excluding those for home purchases. Includes personal loans, as well as revolving credit card balances excluding float. CoR ttm Cost of risk. Total allowances for insolvency risk (ttm) divided by gross average lending plus contingent liabilities, using management criteria. Core revenues Sum of NII, Wealth management revenues, Protection revenues, Banking fees and Equity accounted income from insurance investments. CRR3 Capital Requirements Regulation III. Customer spread Difference between average rate of return on loans (annualised income for the quarter from loans and advances divided by the net average balance of loans and advances for the quarter); and average rate for retail deposits (annualised quarterly cost of retail deposits divided by the average balance of those retail deposits for the quarter, ex subordinated liabilities). Deposits & other Deposits (including retail securities issuances), Other funds and Other managed resources. DFR Deposit facility rate. DPS Dividend per share. DTA Deferred tax assets. €Bn ǀ €M Billion euros ǀ Million euros. €STR Euro Short Term Rate. EBA European Banking Authority. ECB European Central Bank. EOP End of period.
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46 A 5 . G L O S S A R Y Term Definition EPS Earnings per share. Quotient between profit/(loss) attributed to the Group and the average number of shares outstanding. Eq. / Equiv. Equivalent. Equity accounted Share of profit/(loss) of entities accounted for using the equity method. ESG Environmental, Social, and Governance. ETP Exchange Traded Product EU European Union. Eur12M Euribor 12 months. Europ. Abbreviation of European. Ex / Excl. Abbreviation of excluding. FB / BB Front Book / Back Book. FL Fully loaded. FV Fair Value. FX Foreign exchange. FY Fiscal year. Gains / losses on disposals & others Gains/losses on de-recognition of assets and others. Includes the following line items: Impairment/(reversal) of impairment on investments in joint ventures or associates; impairment/(reversal) of impairment on non-financial assets; Gains/(losses) on derecognition of non-financial assets and investments, net; Negative goodwill recognised in profit or loss; Profit/(loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations, net. GDP Gross Domestic Product. HQLAs High quality liquid assets. ICO Instituto de Crédito Oficial. Spain. INE Instituto Nacional de Estadística. Spain. Insur. Abbreviation of insurance. Glossary (II/IV) Term Definition Insurance service result It includes the accrual of the margin on savings insurance contracts, as well as on Unit Linked products, and the recognition of income and expenses from claims corresponding to short term risk insurance. For the entire insurance business, this line item is reported net of expenses directly attributable to the contracts. Inv. Abbreviation of investment. #K # Thousand. KPI Key Performance Indicator. LCR Liquidity coverage ratio. Leverage ratio Quotient between Tier 1 capital and total assets, including contingent risk and commitments weighted and other adjustments. Liquidity sources Includes total liquid assets (i.e. HQLAs and eligible available assets ex HQLAs) plus covered bond issuance capacity. LLCs / LLPs Loan-loss charges / Loan-loss provisions. LTD Loan to deposits: quotient between net loans and advances to customers using management criteria excluding brokered loans (funded by public institutions); and customer deposits on the balance sheet. LTV Loan to Value. M Million. M-MDA buffer Maximum Distributable Amount related to MREL. MDA buffer Maximum Distributable Amount buffer. Mgmt. Management. MREL Minimum Requirement for own funds and eligible liabilities to absorb losses, includes instruments eligible for total capital, senior debt non-preferred, senior debt preferred and other instruments ranking pari-passu with the latter, at Single Resolution Board’s criteria. Net fees and commissions Net fee and commission income. (+) Fee and commission income; (-) fee and commission expenses. New lending New mortgages, consumer and business loans in Spain.
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47 A 5 . G L O S S A R Y Definition NFC Non-financial corporation. NII Net interest income. Under IFRS 17, it continues to consider revenues from financial assets affected by the insurance business, but at the same time, accounts for a cost derived from interests which come from the capitalisation of the new insurance liabilities at an interest very similar to the asset acquisition performance rate. The difference between those revenues and costs it is not significant. The margin from savings insurance contracts is accounted for in “Insurance service result”. NII from business volume, qoq Evolution qoq of NII from growth in loans and deposits. NII from loan growth calculated as the change in average loan balances multiplied by the spread between the average loan yield and the average cost of liquidity (i.e. the DFR). NII from deposit growth calculated as the change in average deposit volumes multiplied by the spread between the average DFR and the average cost of deposits. Excludes structural hedges (included in NII from ALCO). NIM Net interest margin, also balance sheet spread, difference between average rate of return on assets (annualised interest income for the quarter divided by total average assets for the quarter); and average cost of funds (annualised interest expenses for the quarter divided by total average funds for the quarter). NPL coverage ratio Quotient between total credit loss provisions for loans to customers and contingent liabilities, using management criteria; and non-performing loans and advances to customers and contingent liabilities, using management criteria. NPL ratio Non-performing loan ratio. Non-performing loans and advances to customers and contingent liabilities, using management criteria over gross loans to customers and contingent liabilities, using management criteria. NPL stock / NPLs Non-performing loans including non-performing contingent liabilities. NPS Net promoter score indicator. NSFR Net stable funding ratio. NZBA Net Zero Banking Alliance. O-SII buffer Other systemically important institution. OCI Other Comprehensive Income. ORI Other Relevant Information. Glossary (III/IV) Term Definition Other op. income & exp. Other operating income and expenses. P# Abbreviation of Peer #. P&L Profit and Loss Account. P2R Pillar 2 Requirement. Payout Payout ratio. Quotient between dividends and profit attributable to the Group. Performing loan book / Perf. loan book Total loans and advances to customers less non-performing loans and advances, using management criteria. PF Pro Forma. Pp Percentage points. Pre-impairment income Pre-provision profit / pre-impairment income includes: (+) Revenues; (-) Operating expenses. Protection revenues / Prot. Rev. / Protection Protection insurance revenues, including insurance service result from life-risk insurance and insurance distribution fees. Q / QoQ Quarter / Quarter-on-quarter. RE Real Estate. Recur. Abbreviation of recurrent. REV. Abbreviation of revenues. RoTE ttm Return on tangible equity. Profit attributable to the Group trailing 12 months (adj. by AT1 coupon, registered in shareholder equity) over 12-month average shareholder tangible equity plus valuation adjustments. RWAs Risk Weighted Assets. SBB Share Buy-Back. SDG Sustainable Development Goals Serv. Services SME Small and medium enterprises.
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48 A 5 . G L O S S A R Y Term Definition SNP Senior non preferred debt. SP Senior preferred debt. SREP Supervisory Review and Evaluation Process. SSA Sovereign, supra-national, and agencies. Sub. MREL Subordinated MREL: Minimum Requirement for own funds and Eligible Liabilities to absorb losses, includes instruments eligible for total capital and senior debt non-preferred. Sustainable finance mobilisation The cumulative sustainable finance mobilisation in the 2025–2027 period is the sum of: (i) new production of sustainable financing to individuals and companies across Retail, Business, CIB, MicroBank, CPC and BPI, where the amount considered corresponds to the formalised risk limit of each transaction, including long-term, working capital and guarantee exposures, and also covers novated and tacit or explicit renewals; and (ii) sustainable intermediation through the channelling of third-party funds into sustainable investments, including: a) CaixaBank’s share in the placement of sustainable bonds issued by clients; b) the net increase, excluding market effects, in assets under management in equity and corporate fixed income products by CaixaBank Asset Management under MiFID II; c) the gross increase, excluding market effects, in sustainable assets under management by VidaCaixa under SFDR; d) intermediation of sustainable funds from third-party managers under SFDR; and e) intermediation in electric or hybrid vehicle leasing. The eligibility criteria are defined in CaixaBank’s Sustainable and Transition Finance Eligibility Guide, developed with the support of Sustainalytics. TLCF Tax loss carry-forward. Total operating expenses/costs Include the following items: administrative expenses; depreciation and amortisation and extraordinary expenses. Glossary (IV/IV) Term Definition Total protection insurance premia Includes VidaCaixa life-risk premia plus SegurCaixa Adeslas non-life premia sold through the bancassurance network. Presented on an annualised basis. TGSS Tesorería general de la seguridad social. Spain. Trading income Gains/(losses) on financial assets and liabilities. Includes the following line items: Gains/(losses) on de-recognition of financial assets and liabilities not measured at fair value through profit or loss, net; Gains/(losses) on financial assets not designated for trading that must be designated at fair value through profit or loss, net; Gains/(losses) on financial assets and liabilities held for trading, net; Gains/(losses) from hedge accounting, net; Exchange differences, net. ttm Trailing 12 months. WM/ Wealth mgmt./ Wealth management balances Includes customer funds in mutual funds, managed portfolios and SICAVs; pension plans; and insurance funds (on and off-balance sheet). WM / Wealth mgmt. / Wealth management Revenues Includes AuM fees and insurance service result from savings insurance and unit linked. Wealth: net inflows Includes inflows into wealth management products (mutual funds, managed portfolios and SICAVs; pension plans; and insurance funds, on and off-balance sheet). Y / YE Year / Year-end. YoY Year-on-year. YTD Year-to-date.
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