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29 July 2026 2Q26 RESULTS
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2 Disclaimer 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. 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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. 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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. 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3 CONTENTS Highlights
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4 1H26 Highlights Sustained momentum halfway through our 3-year Plan (1) Net growth in Group clients (including individuals and legal entities). Net additions in Spain: +c.395K yoy. (2) Refer to the Appendix for definition. (3) In Spain. As at Jun-26 except for life-risk which is at Mar-26. For savings insurance, sector data is internal estimate. Based on latest available data from BoS, TGSS, and ICEA. (4) Coverage still includes €271M unassigned collective provisions (-€40M qoq). (5) Corresponding to the payout target for the interim dividend (30-40% of 1H26 net income), to be paid in Nov-26. Relevant resolution from the BoD and final amount of the interim dividend to be defined in Oct-26 when approving results as at 30-Sep-26. (6) Evolution yoy vs. RoTE Jun-25 ttm PF with 2024 banking levy accrued on a linear basis (for consistency with accrual in 2025 and 2026). 1H26 Net income €3,203 M +9% yoy % RoTE Jun-26 ttm 18.0% +0.3 pp yoy(6) 2Q26 Net income €1,631 M +10% yoy » Strong commercial traction yoy # clients(1) 405K Customer funds +8% Protection insurance premia(2) +12% » Sustained market share gains(3) yoy » Positive revenue trends: NII qoq/yoy as guided; Rev. from services +7.4% 1H yoy » Further improvement in asset quality: % NPL to <1.8% and % coverage to 81%(4) » Robust capital accretion supports growth and returns 12.54% CET1; [€961-1,281 M] FY26 interim dividend(5) Payroll deposits Household deposits Life-savings insurance Life-risk insurance +15 bps +12 bps+5 bps +117 bps Private sector loans Non-life insurance +127 bps +50 bps Performing loans +8%
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5 Highlights Iberian economic outperformance expected to continue Spain and Portugal to keep outpacing the Eurozone – with limited impact from geopolitical tensions (1) Eurostat. (2) CaixaBank Research. Latest internal projections: Jul-26. (3) INE. EPA, 2Q26/2Q25. (4) INE, CTNSFI. 1Q26/1Q25. (5) Source: BoS and Eurostat. 1Q26. Difference between the respective Private debt/GDP ratios (124.3% Spain, 153.5% Eurozone). Includes household and NFC non-consolidated debt in loans and debt securities. (6) In real terms. INE, National Accounts (GDP components). 1Q26/1Q25. (7) Household savings rate. INE, CTNSFI. 1Q26, trailing 4 quarters. (8) Bloomberg. 0.8% 6.3% 7.4% 11.3% 11.5% 6.7%Eurozone Portugal Spain Italy France Germany Real GDP, % yoy (2)1Q26 vs. 4Q19 Real GDP (1), % • Employment creation yoy(3) • Population growth yoy(3) • Household disposable income yoy(4) • Private sector debt/GDP vs. Eurozone(5) • Investment momentum yoy(6) • Stronger services exports yoy(6) • Healthy consumption growth yoy(6) • High savings rate(7) +1.0% +5.1% Spain’s structural strengths support economic resilience Rates expectations anchored >2% Market -implied €STR by forward date (8), % 1.75 2.00 2.25 2.50 2.75 3.00 Dec-25 Sep-27 Jun-29 Mar-31 Dec-32 24-Jul-26 30-Jun-26 31-Mar-26 YE25 (used for guidance/targets) Domestic demand continues to cushion external volatility -29 pp +4.3% +3.2% 11.8% +2.3% +5.6% 1.2% 2.1% 2.0% 0.5% 2.4% 1.8% Eurozone Spain Portugal 2026e 1.5% 1.9% 2.0% 1.3% 2.0% 1.8% Eurozone Spain Portugal 2027e YE25 projections (underpinning guidance) Latest internal projections (post-Iran)
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6 Strong commercial momentum Highlights (1) Refer to the Glossary for definition. (2) As at Jun-26 except for life-risk which is at Mar-26. For savings insurance sector data is internal estimate. Based on latest available data from BoS, TGSS, and ICEA. Deeper customer engagement and improved customer experience – across all channels Market share gains Market shares in Spain(2) in % and yoy in bps PAYROLL DEPOSITS 36% 26% +15 bps +5 bps 34% 39% +9 bps +117 bps 23% 29% +12 bps +127 bps 1,086 1,171 Jun-25 Jun-26 Growing volumes Business volume (1) in €Bn and % yoy +7.8%+6.6% 405K360K 6.2 6.4 Jun-25 Jun-26 210K Best bank in Spain 2026 Best bank in Western Europe 2026 by Global Finance PENSION DEPOSITS PRIVATE SECTOR LOANS HOUSEHOLD DEPOSITS LIFE -SAVINGS INSURANCE LIFE -RISK INSURANCE Payroll franchise at a record high Clients with payroll deposits at CaixaBank (Spain) in million and yoy in thousand yoy yoy yoy 155K Best bank in Spain 2026 Best Retail Bank in Spain 2026 by Euromoney Expanding our client base Clients in million and yoy in thousand 20.5 20.9 Jun-25 Jun-26
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7 imagin: a key engine for client acquisition and growth amongst the young and digital Highlights Mobile banking leader 16-34y old mobile banking penetration in Spain (1), % 41% 27% 24% 18% 9% 9% 5% P1 P2 P3 P4 P5 P6 # CLIENTS 4.2 M +8% yoy €24 Bn +20% yoy CLIENT ACQUISITION(2) 50% of Group’s total BUSINESS VOLUME(3) Crafted for the young and digital generation (1) As % of total 16-34-year-old mobile banking users in Spain. Source: GfK DAM (Jun-26). Peer group: Banco Sabadell, Banco Santander, Bankinter, BBVA, ING, and Revolut. (2) % via imagin of total new client onboarding in Spain (CABK + imagin) in the last 12 months. (3) Customer loans plus funds. (4) Peers include MyInvestor, N26 and Revolut Spain (Mar-26). Source: AEB. A complete range of solutions imagin business volume (3) by 30 -Jun-26: breakdown Deposits €15.3 Bn Neobank 1 €4.6 Bn Neobank 2 €4.1 Bn Neobank 3 €1.3 Bn Deposits at other neobanks in Spain (4) €24 Bn Jun -26 #1 neobank in Spain Other Mortgages Consumer loans €1.1 Bn €5.4 Bn €2.2 Bn
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8 Highlights Transformation is enabling scalable growth (1) All figures correspond to Spain. (2) CaixaBank retail App. Peer group includes: Abanca, B. Sabadell, B. Santander, Bankinter, BBVA, ING, N26, and Revolut. Source: Google Play as at 9-Jul-26. (3) 2Q26. Refer to the Glossary for definition. Growth and scalability initiatives already delivering tangible results halfway through the 3-year Plan T ransformation fuels growth and customer experience(1) Steady rollout of new initiatives – Selected examples » Launch of for retail payments » >200 retail app journeys simplified and redesigned » Streamlined digital onboarding process (# screens 25%) » Video calls and screen sharing with managers via the app » Gradual deployment of new SME app » More personalised customer communication in the app » Agentic AI in customer service chats » AI-assisted document processing (80% automation) Banking app in Spain(2) # Retail app users Digital share of retail sales(3) Commercial interview prep time Digitally- generated commercial leads Written inquiries on product journeys solved by AI #1 Ranked ↓ 75% >50% +8pp vs. FY24 +55% 1H26 yoy 40% +9% vs. YE24
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9 Gaining share in underpenetrated segments Market shares in Spain(5), % 21% +56 bps yoy SME LOANS 18% +5 bps yoy CONSUMER LOANS (6) (1) Refer to Appendix for additional details. (2) Affected by positive seasonality in “Other loans to individuals” related to public pension advances. Total performing loans adjusted for that effect: +3.8% qoq. (3) Performing back-book growth. (4) Excludes loans granted by CIB branches outside Spain and Portugal. (5) Based on latest available data from the BoS (Jun-26 for consumer loans and Apr-26 for SME loans). (6) Excludes credit cards. BUSINESS LENDING +10.6% yoy +5.0% qoq+6.7% yoy +1.8% qoq RESIDENTIAL MORTGAGES CONSUMER LENDING +11.5% yoy +2.4% qoq Performing residential mortgages: yoy in %(3) -2.9% 4.0% 6.7% Jun-24 Jun-25 Jun-26 4.9% 8.9% 11.5% Jun-24 Jun-25 Jun-26 2.4% 6.7% 10.6% -0.4% 3.4% 5.0% Jun-24 Jun-25 Jun-26 Strong and widespread loan growth Highlights o/w: PERFORMING LOANS(1) 30 June 2026 €399 Bn Performing consumer loans: yoy in %(3) Performing business loans: yoy in %(3) o/w booked in Spain and Portugal (4) +8.2% yoy + 4.9% qoq(2)
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10 Standout quarter in customer funds with broad-based support –qoq complemented by seasonal uplift CUSTOMER FUNDS(1) 30 June 2026 €772 Bn +7.6% yoy + 5.2% qoq o/w: WEALTH MANAGEMENT(2) +13.9% yoy +6.7% qoq DEPOSITS & OTHERS(3) +3.7% yoy +4.2% qoq (+5.0% yoy Deposits ex public sector)(4) 718 772+16.3 +21.5 +16.6 Jun-25 Jun-26 +7.6% Highlights MARKET SHARE IN WM + DEPOSITS, IN SPAIN(5) 26% +6 bps yoy 734 772+4.3 +15.2 +18.5 Mar-26 Jun-26 Solid quarter driven by WM and deposit inflows and market tailwinds, complemented by seasonality – Customer funds qoq bridge, €Bn +5.2% WM Net inflows Market effect Deposits & others(3)Market effect (wealth mgmt.) Deposits & others(3) Wealth mgmt. net inflows (1) Refer to Appendix for additional details. (2) Mutual funds, managed portfolios and SICAVs; pension plans; and insurance funds (on-/off-balance sheet). (3) Deposits (including retail securities issuances), “Other funds”, and “Other managed resources”. QoQ affected by positive seasonality in June. (4) Excluding retail securities issuances. (5) Combined market share including mutual funds, pension plans, savings insurance and deposits of resident households and non-financial businesses. As at Jun-26, based on latest available data from BoS, INVERCO, and ICEA (for pension plans and savings insurance, sector data are internal estimates). Strong growth in c ustomer funds yoy underpinned by net inflows into WM, market tailwinds, and sustained deposit growth Customer funds yoy bridge, €Bn
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11 A record Q2 lifts Wealth Management balances above €300 Bn –supported by resilient net inflows and post-March market recovery (1) Mutual funds, managed portfolios and SICAVs; pension plans; and insurance funds (on-/off-balance sheet). (2) Includes unit linked. (3) Includes managed portfolios and SICAVs. (4) In Spain. Combined market share including mutual funds, pension plans, and savings insurance. Peer group includes Banco Santander, BBVA, and Ibercaja. (5) As at Jun-26, based on latest available data from ICEA and INVERCO (for pension plans and savings insurance, sector data are internal estimates). Highlights Uniquely positioned to serve structurally growing demand Strong rebound in net inflows Net inflows into WM(1) (ex market effects), €Bn 3.3 3.0 4.3 2Q25 1Q26 2Q26 +31.4% +46.3% 1H26 NET INFLOWS INTO WM (1) (ex market effects) €7.3 Bn 1H26 53% Mutual funds(3) and pension plans 47% Savings insurance(2) Managed balances surpass €300 Bn as growth accelerates WM(1) balances, €Bn #1 IN WM IN SPAIN Market share by total WM balances(4,5), % 29% 12% 12% 6% Peer 1 Peer 2 Peer 3 Best private banking in Spain for the 4th consecutive year Mutual funds(3) +16.1% Pension plans +11.7% Savings insurance(2) +11.6% 251 271 309 Jun-24 Jun-25 Jun-26 +13.9% +22.9% Market share by product(5) 34.4% #1 #1 23.1% #1 38.8% Breakdown in % Mutual funds(3) Pension plans Savings insurance(2) % yoy
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12 Protection insurance maintains double-digit growth driven by high commercial activity and innovative offering PROTECTION INSURANCE PREMIUMS(1) 30 June 2026, % yoy +11.8% o/w: > Life-Risk: +12.8% > Non-Life: +11.2% (1) Premiums as at 30-Jun-26 on an annualised basis. It includes VidaCaixa life-risk premiums (excluding BPI Vida e Pensões) plus SegurCaixa Adeslas non-life premiums sold through the bancassurance network. (2) CABK ex BPI and considering life-risk and non-life risk premiums 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. (3) Based on latest available data from ICEA (Jun-26). (4) Jun-26 ttm. (5) Based on latest available data from ICEA (Mar-26), except for auto insurance (Jun-26). New protection insurance premiums breakdown by segment(2), Jun-26 ttm in €M and % Positive production dynamics Non-Life 56% HEALTH 22% AUTO 15% HOME 12% OTHER 7% Life-Risk 44% €832M Life-risk insurance premiums in Spain(3), €Bn Track record of growth 3.5 4.3 0.7 1.7 2016 Jun-26 ttm Rest of the market CABK (VidaCaixa) 2016-Jun.26, % +25% Sector ex CABK +135% CABK Rising weight of MyBox offering over total: 83% of new premia(4) LIFE-RISK INSUR. HOME INSUR. HEALTH INSUR. AUTO INSUR. 3.5% +50 bps GENERALISED MARKET SHARE GAINS(5) 31.6% +97 bps 28.9% +127 bps 10.5% +1 bp Highlights yoy
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13 Highlights Entering the second half of the Plan with key enablers in place Well on track to deliver our targets Resilient domestic economies – with solid fundamentals cushioning external volatility Healthy client fundamentals with the lowest private sector leverage in 25 years and high savings rate Supportive rate outlook stabilising and anchored around positive but not too high levels Backdrop CaixaBank Leading franchise Scale, primacy client relationship, and hybrid banking leadership Operating momentum Disciplined execution; gaining clients and share; positive revenue dynamics Record asset quality; low CoR; ample liquidity; solid capital; and prudent risk profile Robust balance sheet
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14 CONTENTS P&L and balance sheet
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15 2Q net income up 10.1% yoy – supported by key revenue engines CONSOLIDATED INCOME STATEMENT – €M and % P&L and Balance Sheet (1) Equivalent to the sum of “Net fees” and “Insurance service result”. (2) 2Q25 includes €22M associated with the recovery of the Portuguese banking sector solidarity levy paid by BPI in prior quarters. (3) Evolution affected by accrual of the banking tax (-€152M 2Q26; -€148M 2Q25; -€152M 1Q26) and write-up of deferred tax assets (€135M 2Q26; €84M 2Q25; €135M 1Q26). (4) 2Q25 PF with 2024 banking levy accrued on a linear basis (for consistency with accrual in 2025 and 2026). REVENUES NII growth yoy gathers pace (+3.5% 2Q yoy vs. +0.6% in Q1) while returning to qoq growth Revenues from services up yoy and qoq underpinned by WM and protection Other revenues mainly reflect lower trading income; yoy also affected by 2Q25 one-off(2) in other operating income and expenses OPERATING COSTS Costs evolve in line with guidance PPP up yoy and qoq on higher revenues PROVISIONS & OTHER CoR ttm stable at very low levels and aligned with FY guidance Other provisions down yoy Gains/losses consolidate positive dynamics supported by higher Real Estate gains Tax, minority & other includes impact from banking tax and DTA write-up(3) 2Q26 2Q25 % yoy % qoq Net interest income 2,729 2,636 +3.5% +2.5% Revenues from services(1) 1,398 1,303 +7.3% +1.8% Other revenues, o/w: 85 90 -6.4% -7.4% Dividends 6 5 +17.1% -87.5% Equity accounted 94 76 +24.5% +18.7% Trading income 45 67 -32.8% -31.1% Other op. income & expenses(2) (60) (57) +5.8% -40.7% Revenues 4,211 4,030 +4.5% +2.0% Total operating expenses (1,668) (1,599) +4.3% +1.0% Pre-impairment income 2,543 2,431 +4.6% +2.8% Loan-loss charges (247) (178) +39.2% +6.4% Other provisions (45) (62) -28.1% +74.4% Gains/losses on disposals and other 60 (24) Pre-tax income 2,311 2,167 +6.6% +3.7% Tax, minority & other(3) (680) (685) -0.8% +3.6% Net income 1,631 1,482 +10.1% +3.8% Pro memoria Net fees 1,047 986 +6.1% +1.8% Insurance service result 351 317 +10.9% +1.5% CoR ttm, % 0.24% 0.24% +0 bps +1 bp RoTE(4) ttm, % 18.0% 17.6% +0.3 pp +0.4 pp
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16 Delivering growth and transformation in Portugal –aligned with the Group’s strategy 1H26 Net income €218 M BPI Segment(1) – excludes BFA dividend (2) accrued in Q1 (1) Contribution of the banking activity in Portugal to the Group’s consolidated results. It excludes, among other, earnings from investments in BFA and BCI. (2) €44M pre-tax, accrued in 1Q26 under “Dividends” in the “Corporate Center” business segment. (3) BPI segment. (4) Customer funds plus performing loans. YE17 customer funds exclude Portuguese treasury bond placements. (5) Total customer loans plus funds, industry ex BPI. (6) Source: BoP, APFIPP and APS, latest available data (May-26). (7) Market share excluding corporate bonds. Market share including them: 12.5%. (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 published information from the BoP (Mar-26). (10) Upgrade by Fitch Ratings in Jul-26 and by Moody’s in Apr-26. (11) App users as % of digitally active clients (≥1 app or web login over the last 3 months). (12) # of sales of focus products (mutual funds/retirement savings plans, personal loans, credit cards, and stand-alone insurance) to individual clients that were digitally-initiated in % of total. (13) Under 30 years old. Business volume growth Business volume(3,4), €Bn 49.5 68.7 73.4 YE17 Jun-25 Jun-26 vs. 29% industry(5,6)+48% +6.9% Broad-based market share gains Market share in Portugal(6), % and yoy in bps 13.1% 11.3% 10.7% 12.4% Business loans(7) Mutual funds Pension plans Mortgages yoy +10 +77 +59 High profitability RoTE(3,8), % 8.0% 12.0% 16.7% 2018 2019-25 avg. Jun-26 ttm 4.2% 2.1% 1.5% 2018 2019-25 avg. Jun-26 Coverage: 81% vs. 2.5% industry(9) Strong balance sheet % NPL(3) , eop CREDIT RATING UPGRADES (10) A+ (from A) A1 (from A2) ACCELERATING TRANSFORMATION Digital individual clients actively using BPI App(11) 94% +2 New young talent hires(13) in % of total, 1H26 71% Digitally-supported sales(12) in % of total, Jun-26 ttm 37% P&L and Balance Sheet
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17 NII returns to sequential qoq growth as guided – while yoy gathers pace 2,636 2,662 2,729(2) +64 +5 2Q25 1Q26 2Q26 NII up 3.5% yoy in 2Q QoQ growth resumes as: o Headwinds from BB loan repricing fall away while FB loan yields(5) improve (+5 bps qoq up to 366 bps in 2Q) o Higher support from business volume o Positive ALCO(6) contribution, with: ▪ Hedges: €77.0 Bn; +€2.7 Bn qoq ▪ ALCO book(7): €79.2 Bn; +€0.6 Bn qoq 168 163 160 161 163 162 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 335 317 306 302 300 296 320 309 302 297 294 289 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 403 375 355 349 345 343 83 66 53 52 51 54 68 58 49 47 45 47 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Customer spread adj.(8) Customer spread Client funds costs Net loan yields Client funds costs adj.(8) CUSTOMER SPREAD AND YIELDS/COSTS – bps NIM – bps Client yields and others(1,4) ALCO(3)Business volume(2) +2.5% 5,282 5,390(489) +317 +280 1H25 1H26 Client yields and others(1) ALCO(3) Business volume(2) +2.0% NII growth gains traction €M QoQ GROWTH RESUMES €M (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) 2Q evolution negatively affected by some non-recurring impacts. (5) Group ex BPI; yields compiled from loans and credit facilities (including those that are syndicated) production data of CaixaBank S.A. (Spain) and MicroBank, excluding public sector. (6) Refer to the Appendix for additional details. (7) Excludes SAREB bonds. (8) Excluding, for CaixaBank ex BPI, structural deposit hedges and FX and international branch deposits. +3.5% P&L and Balance Sheet
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18 Sustained growth in non-interest-bearing balances – which are up 5.5% yoy Total deposits breakdown(1), averagequarterly balance,€Bn Interest-bearing client deposits(1), % of total (quarterly average) 284.6 289.7 296.9 299.2 301.9 305.8 105.3 106.6 108.9 111.1 108.4 109.3 389.9 396.4 405.8 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 410.2 415.1 +4.7% Non-interest-bearing Interest-bearing 2Q yoy, in €Bn T otal Interest- bearing Non- interest- bearing +18.8 +2.7 +16.1 STABILISATION Quarterly average €STR and 12M Euribor(3): qoq, bps +4 +44-48 -11 0 +10-53 -34 -25 +2 2.28% 1.92% 1.66% 1.56% 1.56% 1.61% 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 +5.5% WELL-CONTAINED INTEREST -BEARING YIELDS DESPITE HIGHER RATES Interest-bearing client deposits average yield(2) per quarter, % €STR E12M 410.2 26.3%27.0% 27.1%26.9% 26.8% 26.4% 0 +13 P&L and Balance Sheet Solid deposit trends continue to support NII Volume and mix improvement, with cost of interest-bearing deposits well contained (1) Including FX and excluding employee deposits, international branch deposits, retail securities, and other outside the commercial network scope. (2) % yield (quarterly average) over interest-bearing deposits as detailed in note (1), excluding hedges. (3) Source: Bloomberg.
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19 Revenues from services outperform initial expectations Up +7.4% yoy in 1H, powered by WM and protection Revenues from services(1) €M Wealth management Protection insurance Banking fees +12.1% % yoy -1.1% +14.5% +7.4% 502 532 492 535 512 511 287 287 298 321 326 332 490 483 511 527 536 555 1,278 1,303 1,302 1,383 1,374 1,398 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 QUARTERLY EVOLUTION €M +7.3% +1.8% WEALTH MANAGEMENT +14.9% yoy +3.5% qoq Strong growth on higher balances, underpinned by commercial dynamism and market tailwinds PROTECTION INSURANCE +15.6% yoy +1.9% qoq Strong growth reflecting sustained commercial momentum in both life-risk and non-life BANKING FEES -4.0% yoy -0.1% qoq Evolution of banking fees affected among other by lower basic service fees, higher SRT activity(2), and CIB volatility Broadly stable qoq (1) Equivalent to the sum of “Net fees” and “Insurance service result”. (2) 2Q26 includes -€15M from paid fees related to SRTs vs. -€7M 2Q25 (-€12M 1Q26). 2Q 26 + Wealth management + Protection insurance + CIB revenues +12.2% yoy 1,034 1,023 575 658 973 1,091 2,581 2,772 1H25 1H26 P&L and Balance Sheet
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20 Costs evolve in line with guidance – keeping C/I ratio well below peer average yoy qoq +4.3% +1.0% Operating costs €M 1,580 1,599 1,620 1,617 1,652 1,668 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 2Q26 % yoy % qoq 1H26 % yoy PERSONNEL 1,029 +3.4% +1.2% 2,045 +3.5% GENERAL EXPENSES 433 +6.0% +0.7% 862 +5.7% DEPRECIATION 207 +5.5% +0.5% 413 +6.4% TOTAL 1,668 +4.3% +1.0% 3,320 +4.5% BREAKDOWN BY MAIN CATEGORY €M and % Cost-to-income at low levels… % recurrent C/I(1) 54.0% 41.6% 39.6% 2014-21 avg. 2022-25 avg. Jun-26 ttm …AND WELL BELOW PEER AVERAGE % recurrent C/I ttm 50.8% 39.6% Euro peer avg. since FY21 -18 pp -8 pp CABK(3) Euro area peer avg.(2) (2) (1) Historical series PF adjusted to exclude impact from banking levy in 2023 and 2024, for consistency with 2025 and 2026. (2) Weighted average, based on latest reported data by peers. Peer group includes top 10 entities by market cap (excluding CaixaBank) in the SX7E index as at Jun-26. (3) FY21 %C/I excluding extraordinary expenses. P&L and Balance Sheet
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21 P&L and Balance Sheet Steady improvement in asset quality – reaching new record levels CoR ttm broadly stable post-IFRS9 model update Record-low % NPL on supportive organic trends and active management NPLs(1) (€Bn) and % NPL(1) 9.6 9.3 8.6 8.3 7.8 J-25 S-25 D-25 M-26 J-26 2.33% 2.27% 2.07% 1.98% 1.78% % NPL by segment, 30 June 2026 Business loans 2.0% Consumer loans 2.8% Mortgages 1.5% Other(3) 1.4% -22 bps +2 bps -39 bps -36 bps -55 bps -10 bps -71 bps -43 bps ytd yoy Record-high % NPL coverage % NPL coverage(4) 70% 72% 77% 79% 81% J-25 S-25 D-25 M-26 J-26 €6.3 Bn Total provision funds o/w: €271 M Unassigned collective provisions → -€40M qoq/ytd post IFRS 9 models update CoR broadly stable at reduced levels CoR ttm (%) 0.25% 0.24% 0.24% 0.22% 0.23% 0.24% 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 195 178 245 286 232 247 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Peer avg. – Spain(2) 0.36%Peer avg. – Spain(2) 2.4% 0.23% 1H26 annualised (1) Includes non-performing contingent liabilities (€441M by end of Jun-26). (2) Weighted average based on internal estimates using the latest reported information by peers (SAN Spain, BBVA Spain, SAB, UNI, BKT). (3) Includes other loans to individuals (excluding consumer lending), loans to the public sector, and contingent liabilities. (4) 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 1.4% as at Jun-26 (vs. 1.6% as at Mar-26 and Dec-25). (5) Refer to the Appendix for additional details. 1H26 LLCs + Other prov. + Gains/losses -5.8% yoy LLCs, €M The semi-annual IFRS 9 model update included a prudent recalibration of macro scenario weights(5)
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22 Ample liquidity reserves – underpinned by strong and stable funding % LCR 184% % NSFR 143% % ASSET ENCUMBRANCE 15.3% % LtD 88.1%Strong liquidity metrics 30 June 2026 (eop) COMMERCIAL GAP(1) €45 Bn 111 225 55 60 HQLAs Eligible available assets ex HQLA Covered bond issuance capacity Total (1) Customer demand plus time deposits (excluding retail securities) minus loans. (2) CaixaBank as at Jun-26. Peers based on latest public Pillar 3 reporting data as at Mar-26. Peer group includes top 10 entities by market cap (excluding CaixaBank) in the SX7E index as at 30-Jun-26. (3) As at Mar-26, CaixaBank’s % LCR 12M average stood at 198% while its eop NSFR was 145%. (4) Based on latest Pillar 3 data: Jun-26 for CaixaBank and Mar-26 for peers’ weighted average. Peer group includes top 10 entities by market cap (excluding CaixaBank) in the SX7E index as at Jun-26. (5) Deposits covered by the Deposit Guarantee Fund (deposits €100,000 per account holder) in % of total deposit balances (the latter based on Pillar 3 data). 193% 158% 147% 147% 142% 141% 139% 139% 139% 136% 134% 143% 120% 117% 122% 125% 124% 128% 119% 121% 119% 108% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Strong and stable deposit base Stable retail deposits + wholesale operational deposits in % of total deposit balances(4) 51% 67% Peer avg. Retail deposits(4) Wholesale deposits(4) 76% 24% 60%Insured deposits(5) P&L and Balance Sheet Robust liquidity sources €Bn Liquidity ratios well above peers % LCR (12-month average)(2,3) % NSFR (eop)(2,3)
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23 Comfortable MREL buffers Execution of 2025-27 issuance plan well advanced, with a diversified currency mix MREL stack vs. requirements As at 30 June 2026, % of RWAs 12.54% 14.34% 16.84% 24.66% 1.80% 2.50% 7.82% 3.10% 9.12% 10.95% 13.38% 17.13% 24.90% 27.76% CET1 Tier 1 Total Capital Sub. MREL MREL MREL stack / components SREP and MREL Requirements(1) 12.33% 14.13% 16.63% 24.45% 27.56% REGULATORY RATIOS – as at 30 June 2026(3) 286 bps €7.2 Bn M-MDA buffer(2) 339 bps €8.5 Bn MDA buffer(2) 2025-27 issuance plan: >60% executed Issues by instrument (CABK ex BPI), €Bn equivalent Issuance plan 2025-27(4) Issued in 2025-1H26 SP 5.0 2.1 SNP 10.0 7.3 Tier 2 3.0 2.0 AT1 2.5 1.5 TOTAL 21 12.9 Breakdown of total issued in 2025-1H26 by currency, % CONTINUED AND SUCCESSFUL MARKET ACCESS 2Q26 activity(5) AUD 1Bn SP in May >60% executed USD 2Bn SNP in April €12.9 Bn eq. 33% USD 57% EUR 4% GBP 5% AUD P&L and Balance Sheet Inaugural RATING UPGRADES(6) T2: BBB+ from BBB L/T issuer: A+ from A SNP: A from A- SP: A+ from A T2: Baa1 from Baa2 AT1: Baa3 from Ba1 SNP: A3 from Baa1 SP: A2(8) Stable BCA(7): a3 from baa1 2026 VR(9): a from a- (1) SREP requirements applicable from 1-Jan-2026 include 1.75% P2R, 0.50% O-SII buffer, 0.57% countercyclical buffer (including the new Portuguese buffer and the phase-in in Spain), and a 0.07% systemic risk buffer in Portugal. MREL and Sub. MREL requirements received in Dec-25, both including the CBR as at Jun-26. The phase-in of the counter-cyclical buffer in Spain will add 37 bps from Oct-26. (2) MDA (CET1) and M-MDA buffers are calculated based on management capital ratios and requirements as detailed in note (1). (3) From 2025 onwards, and in line with supervisory requirements, banks that contemplate additional distributions must deduct any CET1 surplus above the established threshold for distribution of excess capital (management ratios exclude this deduction). In addition, also according to supervisory requirements, the accrual of the ordinary dividend payout reflected in the 2026 interim regulatory ratios (76.3%) corresponds to the final FY25 effective payout, including the 7th SBB and also the 8th, as the latter was applied against YE25 capital surplus (management ratios consider 60% payout). Regulatory MDA/M-MDA buffers stand at 318/265 bps vs. SREP requirements as detailed in note (1). (4) As presented at Investor Day (Nov-24) and still valid. (5) In 2Q26, the early redemptions of the 4.625% €1Bn Social SNP, and the 1.6% JPY 5Bn SNP were executed. (6) Upgraded by Moody’s in Apr-26 and Fitch Ratings in Jul-26. (7) Baseline Credit Assessment. (8) Note that the senior rating already incorporates the impact of the FDP. (9) Viability Rating.
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24 Strong capital accretion from earnings and optimisation Supporting growth and shareholder returns Strong and sustained capital accretion absorbs seasonally-high organic RWA growth while supporting shareholder returns % CET1 qoq(1), % and bps 5.6% CREATING SHAREHOLDER VALUE 5.29 5.56 0.50 6.06 Jun-25 Jun-26 +14.5% Final FY25 dividend paid in Apr-26 8th SBB ongoing (42% executed)(5) FY26 interim div. to be paid in Nov-26(6) FY26 cash payout target €500 M 50-60%(7) €2,315 M (1) Mar-26 updated with the latest officially reported data. (2) Includes capital accretion from net income and reduced capital consumption from DTAs. (3) Includes RWA reduction from SRTs. (4) vs. EPS ttm as at 30-Jun-25 adjusted with 2024 banking tax linearised across quarters (for consistency with 2025-26 accrual). (5) Based on 24-Jul-26 ORI, 17.5M shares have been acquired for €208.6M, equivalent to 41.7% of the max. consideration (vs. 11.7M shares, €135.4M, and 27.1% by 30-Jun-26). (6) Corresponding to the payout target for the interim dividend (30-40% of 1H26 net income), to be paid in Nov-26. Relevant resolution from the Board of Directors and final amount of the interim dividend to be defined in Oct-26 when approving results as at 30-Sep-26. (7) Including an interim dividend (30-40% of 1H26 result, to be paid in Nov-26) and a final dividend (to be paid in Apr-27). BVPS eop, € DPS paid against FY25 results, € [€961-1,281 M] €0.50 FY25 DPS +15% yoy, with final DPS paid in Apr-26 €0.88 EPS +8% yoy(4) P&L and Balance Sheet 12.38% 12.50% 12.54% +69 bps (42 bps) 0 bps (23 bps) +12 bps Dividend accrual & AT1 coupons Capital accretion(2) Markets & Others Organic RWAs(3) %CET1 Dec-25 PF 8th SBB Jun-26Mar-26 FY26 mgmt. target 11.5-12.5% 5.7% Leverage ratio5.6% 31.5 251.5 30. 3 24 4.5 CET1, € Bn RWA, € Bn 30. 8 24 6.6
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25 CONTENTS Appendix A 1 . F Y 2 6 e g u i d a n c e a n d 2 0 2 5- 2 7 e A m b i t i o n A 2 . 2 Q 2 6 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 3 . 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 A 4 . R a t i n g s A 5 . G l o s s a r y
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26 FY26e guidance and capital targets CoR Revenues from services Operating costs NII RoTE(1) 2026 % CET1 Management target 2026 % Cash payout target 50-60% 2026 % CET1 threshold for additional distribution(2) 12.5% 11.5% - 12.5% 0.22% FY25 €5,266 M +5.4% yoy €6,415 M +5.0% yoy €10,671 M -3.9% yoy 17.5% <0.25% FY26e Up 4.5% >€11 Bn >18% Up 5% (1) FY26e RoTE ambition upgraded at 1Q26 Results (vs. initial guidance of “c.18%”). (2) Subject to ECB and BoD approval. A1. FY26e guidance and 2025-27e ambition
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27 2025-27e ambition and capital targets (1) vs. >16% 2027e and >15% 25-27e avg. at ID. (2) vs. Low 40s at ID. (3) vs. 0% 2025-27e CAGR and >€11Bn 2027e at ID. (4) vs. 2025-27e CAGR at ID: >4% for business volume and customer funds and 4% for performing loans. (5) vs. 2% at ID. (6) vs. <0.30% at ID. (7) Including an interim dividend each year. (8) Subject to ECB and BoD approval. (9) 12.25% in FY25. (10) 11.5%-12.25% in FY25. € % RoTE(1) 20% % C/I(2) NII(3) Rev. from services 4% 2027e: €12.5 Bn MSD 4% >18% 25-27e avg. 2027e Costs 2025-27e CAGR High 30s 2027e %NPL(5) 2025-27e annual avg. <1.75% 2025-27e CAGR Business volume(4) 6% o/w Performing loans(4) 6% Customer funds(4) 6% YE27e % CoR(6) <0.25% Capital and distribution targets reiterated % CASH PAYOUT(7)50-60% 12.5% THRESHOLD FOR ADDITIONAL DISTRIBUTION(8) 2026-27(9) 11.5 – 12.5% % CET1 MANAGEMENT TARGET FROM 1-JAN-26(10) % CET1 € A1. FY26e guidance and 2025-27e ambition
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28 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-Jun-26. (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 Jun-26 in % of total non-interest-bearing deposits at 30-Jun-26. (4) Excluding AT1. (5) Structural hedges over core deposits (non-sensitive to rates), receiving fixed rate and paying floating rate (€STR). (6) 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. (7) It compares to €92.6Bn by YE25, and it includes ALCO book (€79.2Bn) and SAREB bonds (€15.6Bn). It excludes ~€5.7Bn in <1 year maturity government bonds maintained for cash management purposes. (8) Excludes SAREB bonds (2.4% yield, 0.2 years duration). When including those SAREB bonds, total yield at 1.9% and duration at 2.9 years. (9) Including: Austria, Belgium, France, Germany, Italy, the Netherlands, and core SSAs. (10) Mainly includes UK and US Treasuries, Investment Grade corporates, and others. % OF FLOATING LIABILITIES % OF FIXED-RATE ASSETS % of interest -bearing on-balance -sheet client funds (2) 28% o/w 47% indexed % of non -interest - bearing deposits with hedge to floating (3) 23% % of floating wholesale funding (4) 99% Fixed -rate mortgages (6) vs. YE21 +€54 Bn % of loan -book at fixed rate (6) 35% Bond portfolio (7) €95 Bn o/w 81% at fixed rate STRUCTURAL DEPOSIT HEDGES (5) €Bn NON-INTEREST -BEARING DEPOSITS WITH STRUCTURAL HEDGE TO FLOATING (5) 1.7 13.3 2.5 6.0 6.0 6.0 6.0 6.1 6.1 6.1 6.1 6.1 5.0 4Q26 1Q27 2Q27 3Q27 4Q27 1Q28 2Q28 3Q28 4Q28 1Q29 2Q29 3Q29 4Q29 Maturities as at 30 June 2026, €Bn Yield, in % -0.2 -0.1 3.0 2.2 2.2 2.2 2.4 2.2 2.1 2.1 2.1 2.1 2.2 ALCO BOOK (8) 10.0 10.4 10.2 12.0 12.0 64.3 66.6 66.6 66.6 67.2 74.3 77.0 76.8 78.6 79.2 J-25 S-25 D-25 M-26 J-26 FV-OCI AC€Bn Yield(8): 1.8% Duration(8): 3.5 years Maturity profile as at 30 June 2026, €Bn 4.7 7.6 15.2 10.9 11.1 12.2 9.2 5.1 0.8 0.8 1.7 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 >2035 Yield, in % 0.6 1.7 1.5 1.6 1.6 2.2 2.5 1.9 3.0 3.0 Breakdown by main exposure ytd, pp Spain 49% EU (9) 40% Portugal 2% Other (10) 9% -3 +4 Key drivers to reduce sensitivity(1) 53.5 58.5 68.4 74.3 77.0 J-25 S-25 D-25 M-26 J-26 Yield: 1.8% Avg. maturity: 1.9 years 3.1 A2. 2Q26 Supplementary information
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29 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. Note that 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 €4.5Bn with an average reset spread of mid-swap +469 bps. WHOLESALE MATURITIES (2)WHOLESALE FUNDING COSTS AFFECTING NII Group ex BPI 2026 2027 2028 >2028 Total €Bn 2.7 8.3 8.1 30.5 49.7 o/w Liquidity bonds(3) 0.1 3.2 1.2 5.8 10.3 o/w MREL instruments(4) (o/w AT1) 2.6 (0.0) 5.1 (0.8) 6.9 (0.8) 24.7 (3.0) 39.3 (4.5) Spread over Euribor 6M(5) bps 28 129 163 135 132129 133 134 133 132 Spread over Euribor 6M, bps Volumes − Wholesale funding back-book volumes(1), €Bn Group ex BPI, as at 30 June 2026 45 45 46 45 45 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 A2. 2Q26 Supplementary information
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30 Carrying amount Fair Value (FV) Carrying amount – FV(3) Deposits 488.9 457.9 +31.1 Debt securities issued & other 57.7 59.1 (1.5) Financial liabilities at amortised cost 546.6 517.0 +29.6 Carrying amount Fair Value (FV) FV – Carrying amount Loans and advances 413.1 423.8 +10.7 Debt securities 85.2 83.0 (2.2) Financial assets at amortised cost 498.3 506.8 +8.5 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) As at 30 June 2026, €Bn As at 30 June 2026, €Bn Carrying amount Fair Value (FV) Carrying amount – FV(3) Deposits 466.6 437.2 +29.4 Debt securities issued & other 57.5 59.0 (1.5) Financial liabilities at amortised cost 524.2 496.2 +27.9 Carrying amount Fair Value (FV) FV – Carrying amount Loans and advances 389.6 400.1 +10.4 Debt securities 84.4 82.3 (2.1) Financial assets at amortised cost 474.1 482.4 +8.3 ASSETS(2) LIABILITIES(2) As at 31 December 2025, €Bn As at 31 December 2025, €Bn Fair value of assets and liabilities(1) measured at amortised cost +€38.1 BnTOTAL (ASSETS AND LIABILITIES) TOTAL (ASSETS AND LIABILITIES) +€36.2 Bn A2. 2Q26 Supplementary information
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31 Group customer loans and funds (1) Secured loans to individuals, excluding loans for home purchases. Includes personal loans as well as revolving credit card balances; excluding float. (2) +5.0% yoy excluding public sector deposits and retail securities issuances. (3) Includes retail securities issuances (€63M as at 30-Jun-26). (4) Refer to the Glossary for definition. LOAN BOOK Breakdown, €Bn CUSTOMER FUNDS Breakdown, €Bn 30 Jun 26 % yoy % qoq I. Loans to individuals 195.7 +5.7% +3.8% Residential mortgages 145.5 +6.0% +1.6% Other loans to individuals 50.2 +5.1% +10.8% o/w consumer loans(1) 25.1 +11.4% +2.4% o/w other 25.1 -0.6% +20.6% II. Loans to businesses 191.6 +10.0% +4.8% o/w international CIB branches 42.1 +35.9% +16.1% Loans to individuals & businesses 387.3 +7.8% +4.3% III. Public sector 19.0 +3.0% +12.6% Total loans 406.2 +7.6% +4.6% Performing loans 398.8 +8.2% +4.9% 30 Jun 26 % yoy % qoq I. On-balance-sheet funds 549.6 +5.6% +4.4% Deposits 451.4 +4.4% (2) +4.2% Demand deposits 385.0 +3.9% +5.0% Time deposits(3) 66.4 +7.0% -0.4% Insurance 91.6 +11.7% +5.9% o/w unit linked 30.7 +26.4% +13.1% Other funds 6.6 +8.6% +0.2% II. Off-balance-sheet AuM 216.7 +14.9% +7.1% Mutual funds, portfolios and SICAVs 161.5 +16.1% +7.0% Pension plans 55.2 +11.7% +7.5% III. Other managed resources 5.6 -33.7% +6.4% Total Customer funds 771.9 +7.6% +5.2% Wealth management(4) 308.6 +13.9% +6.7% A2. 2Q26 Supplementary information
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32 Customer loans – additional information (1) New mortgages, consumer, and business loans. 1H25 data was restated to reflect measurement enhancements. 1H26 / 2Q26 FB loan yield at 364 / 366 bps, respectively (Group ex BPI; yields compiled from loans and credit facilities (including those that are syndicated) production data of CaixaBank S.A. (Spain) and MicroBank, excluding public sector). (2) Includes loans, syndicate loans, and credit facilities (excluding factoring and confirming) from Business Banking, Real Estate business, Corporate Banking in Spain, and International Branches. (3) Including COVID-19 ICO loans in Spain and COVID-19 public support lines in Portugal. (4) Loans with fixed payment schedules. It excludes products such as revolving credit facilities or reverse factoring with no pre-established payment schedules (€0.9Bn outstanding balance by 30-Jun-26). (5) Includes amortisations and cancellations. (6) Outstanding balance under Stage 3 (including subjective NPLs, ie. NPLs for reasons other than >90 days past due), over total loans granted plus the outstanding balance of revolving credit facilities. (7) CABK ex BPI. (8) Internal estimate. CABK ex BPI. (9) Internal estimates referred to floating-rate residential mortgages of clients with income flows paid into CaixaBank. CABK ex BPI. (10) CABK ex BPI individual client mortgages, excluding those not referenced to Euribor. CABK ex BPI as at 30 June 2026: breakdown by date of origination, % of total after 2015 before 2012 2012-2015 62% 33% 4% % of total by origination date Total €127.5 Bn 59% 44% 48% 53% Current LTV 87% 11% 15% 58% % Fixed rate • 2Q26 new mortgages(7): 94% at fixed rate; 74% avg. LTV • Floating-rate residential mortgage portfolio: o Average monthly installment estimated at €520(8) o Average affordability ratio estimated at 23%, increasing to 24% with 12M Euribor at 3.5%(9) PERFORMING FLOATING MORTGAGES (10) RESIDENTIAL MORTGAGE PORTFOLIO Breakdown by level of Euribor 12M at latest reset, in % of total performing floating mortgages(10) Euribor 2% Euribor >2.5% 2% < Euribor 2.5% 0% 97% 3% 31 Mar. 202630 Jun. 2026 0% 75% 25% NEW LENDING IN KEY SEGMENTS (1) CABK ex BPI, breakdown by segment, €Bn Business lending(2) Residential mortgages Consumer lending Total 33.0 10.5 7.0 50.5 1H26 27.1 9.7 6.7 43.5 1H25 Outstanding balance as at 30 June 2026, €Bn GOVERNMENT GUARANTEED LOANS (3) • 90% of ICO loans(4) granted already amortised(5) • 2.6% of ICOs classified under stage 3(6) Loans to individuals Total Loans to businesses 0.1 2.7 2.8 In Spain (ICO) Total 0.1 2.8 2.9 A2. 2Q26 Supplementary information
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33 Additional information on imagin imagin is a digital lifestyle and financial services platform launched by CaixaBank in 2016. Initially focuses on younger, digitally native users, it has evolved into a mobile-first ecosystem combining financial products with lifestyle content, sustainability initiatives, and exclusive experiences. Today, imagin is a key driver of client acquisition and engagement and a key lever in the Group’s long-term value creation strategy, as well as closely aligned with the Group’s digital transformation and ESG strategy. A NEOBANK, WITH A COMPLETE PRODUCT OFFERING − SUPPORTED BY THE LARGEST PHYSICAL FOOTPRINT IN SPAIN (1) Customer funds plus loans. A2. 2Q26 Supplementary information 2021 2022 2023 2024 2025 • Accounts • Credit/debit cards • Payroll deposits • Mortgages • Student loans • Roboadvisor ‘imagin & invest’ • Neobroker, mutual funds • Expanded offering for an increasingly mature and high-potential audience • Dedicated remote manager for high-value customers • Travel debit card • Bizum teens • Personal loans • Life-risk insurance • “Digital” savings • Auto loans • Travel loans • Cashback • imagin e-Card • Bitcoin ETP KEY FIGURESFROM AN APP TO FULL BANKING SUITE Jun-26 % yoy Clients, Million 4.2 +8.3% o/w adults 3.3 +10.8% Business volume(1), €Bn 23.9 +19.8% o/w customer funds 16.4 +11.0% o/w customer loans 7.6 +44.5% % NPL 0.9% -22 bps
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34 (1) Current presentation (by nature and service provided) introduced in 1Q24. (2) “Other” includes €11M in 2Q26 / €21M in 1H26 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”). 2Q26 1H26 Net interest income 2,729 5,390 (a) Net fees and commissions, o/w: 1,047 2,075 (b) Recurrent banking fees 415 829 (c) Wholesale banking fees 96 193 (d) Mutual funds + pension plan fees and other (2) 420 823 (e) Insurance distribution fees 115 229 (f) Insurance service result, o/w: 351 697 (g) Life-risk insurance result 217 429 (h) Life-savings insurance result 95 193 (i) Unit linked result 39 75 (j) Income from investments(3), o/w: 100 229 (k) Revenues from insurance investments 84 148 (l) Other 16 80 (m) Trading 45 110 (n) Other operating income/expenses (60) (162) (o) Revenues 4,211 8,338 o/w Revenues from services 1,398 2,772 (b) + (g) o/w Core revenues(4) 4,211 8,310 (a)+(b)+(g)+(l) 2Q26 1H26 Net interest income 2,729 5,390 (a) Wealth management revenues, o/w: 555 1,091 (p) = (e) + (i) + (j) AuMs (5) 410 802 (e) Life-savings insurance (6) 145 289 (i) + (j) Protection insurance revenues, o/w: 332 658 (q) = (f) + (h) Life-risk insurance 217 429 (h) Insurance distribution fees 115 229 (f) Banking fees, o/w: 511 1,023 (r) = (c) + (d) Recurrent banking fees 415 829 (c) Wholesale banking fees 96 193 (d) Other revenues, o/w: 85 176 (k) + (n) + (o) Revenues from insurance investments 84 148 (l) Other income from investments (ex insurance inv.) 16 80 (m) Trading 45 110 (n) Other operating income/expenses (60) (162) (o) Revenues 4,211 8,338 o/w Revenues from services 1,398 2,772 (p)+(q)+(r) o/w Core revenues(4) 4,211 8,310 (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 A2. 2Q26 Supplementary information
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35 2Q26 % yoy % qoq 1H26 % yoy RECURRENT BANKING FEES 415 -2.9% +0.2% 829 -2.4% WHOLESALE BANKING FEES 96 -8.5% -1.4% 193 +4.8% TOTAL 511 -4.0% -0.1% 1,023 -1.1% 2Q26 % yoy % qoq 1H26 % yoy LIFE-RISK INSURANCE 217 +15.6% +2.2% 429 +15.8% INSURANCE DISTRIBUTION 115 +15.5% +1.3% 229 +12.2% TOTAL 332 +15.6% +1.9% 658 +14.5% 2Q26 % yoy % qoq 1H26 % yoy ASSETS UNDER MANAGEMENT 410 +18.5% +4.4% 802 +15.7% LIFE-SAVINGS INSURANCE 145 +5.6% +1.0% 289 +3.4% TOTAL 555 +14.9% +3.5% 1,091 +12.1% 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 WM revenues yoy and qoq underpinned by higher managed balances with support from net inflows and market tailwinds WM balances at end of Jun-26 are 14% > FY25 avg. → expected to support revenues going forward Strong and broad-based growth in protection insurance revenues Higher life-risk revenues and insurance distribution fees reflect strong commercial dynamism Banking fees broadly stable qoq as positive evolution in recurrent banking fees partly offsets softer CIB revenues Evolution in 1H yoy mainly reflects lower basic service fees, higher SRT activity impacting on paid fees(1) and volatility in wholesale banking fees (1) 2Q26 includes -€15M from paid fees related to SRTs vs. -€7M 2Q25 (-€12M 1Q26). Paid fees related to SRTs in 1H26: -€27M (-€15M in 1H25). A2. 2Q26 Supplementary information
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36 Additional information on wealth management and protection insurance (1) As at Jun-26, based on ICEA and INVERCO (for pension plans and savings insurance, sector data are internal estimates). (2) Source: ECB. Latest available data (Mar-26). (3) Based on latest available data from ICEA (Jun-26). (4) Source: OECD Global Insurance Statistics; latest available data (2024), relating exclusively to direct insurance business. WEALTH MANAGEMENT 404 600 110 247 2016 Jun-26 ttm Rest of the market CABK Spanish wealth management market(1): AuMs in €Bn 2016-Jun.26, % +49% Sector ex CABK +124% CABK Portugal Spain Eurozone WM products in % of total household savings by country or region(2) 17% 28% 38% 3.5 4.3 0.7 1.7 2016 Jun-26 ttm Rest of the market CABK (VidaCaixa) +25% Sector ex CABK +135% CABK 2016-Jun.26, % Non-life insurance premia in % of GDP by country or region(4) Portugal Spain Eurozone 2.3% 2.7% 3.6% PROTECTION INSURANCE A2. 2Q26 Supplementary information Spanish life-risk insurance market(3): premiums in €Bn
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37 IFRS9 Scenarios (1) Scenarios used in the update of IFRS 9 models in 2Q26, based on macroeconomic assumptions underlying CaixaBank Research forecasts as at February 2026 (pre-Iran). Refer to the 1H26 Semi-Annual Financial Report for further details. A2. 2Q26 Supplementary information 30-Jun-26(1) 31-Dec-25 SPAIN PORTUGAL SPAIN PORTUGAL Real GDP (% yoy) Weight 2026e 2027e 2028e 2026e 2027e 2028e Weight 2026e 2027e 2028e 2026e 2027e 2028e Base case 60% 2.4 2.0 1.7 2.1 1.9 1.8 60% 2.0 1.9 1.7 2.0 2.0 2.0 Upside 10% 3.6 2.7 1.6 3.8 2.9 2.2 20% 3.4 2.7 1.6 3.4 2.8 2.3 Downside demand 10% (0.2) 0.1 1.7 (0.4) 0.5 1.7 20% (0.4) 0.1 1.7 (0.4) 0.2 1.8 Downside supply 20% (0.2) 0.1 1.7 (0.4) 0.5 1.7 Unemployment rate (%, annual avg.) Base case 60% 9.8 9.2 8.8 5.9 5.9 5.9 60% 10.2 9.7 9.3 6.4 6.4 6.4 Upside 10% 9.1 8.0 8.0 6.0 5.8 5.7 20% 9.6 8.5 8.4 6.0 5.8 5.7 Downside demand 10% 12.9 13.9 13.3 8.2 9.6 9.3 20% 13.4 14.5 13.8 8.4 9.6 9.3 Downside supply 20% 12.9 13.9 13.3 8.2 9.6 9.3 EUR 12M (%, annual avg.) Base case 60% 2.26 2.46 2.67 2.26 2.46 2.67 60% 2.07 2.32 2.53 2.07 2.32 2.53 Upside 10% 2.85 3.11 3.14 2.85 3.11 3.14 20% 2.62 2.89 2.91 2.62 2.89 2.91 Downside demand 10% 0.00 (0.12) 0.16 0.00 (0.12) 0.16 20% 1.48 1.60 1.90 1.48 1.60 1.90 Downside supply 20% 3.09 3.32 3.29 3.09 3.32 3.29 Housing prices (% yoy) Base case 60% 10.0 5.0 3.5 10.1 3.7 2.8 60% 5.7 3.3 2.4 4.1 2.8 2.1 Upside 10% 6.0 7.4 4.8 8.2 3.0 2.8 20% 6.9 6.0 3.7 7.2 3.0 2.8 Downside demand 10% (0.2) (4.0) 1.2 2.7 (8.3) (1.3) 20% 0.5 (5.3) 0.1 1.7 (6.6) (0.1) Downside supply 20% (0.2) (4.0) 1.2 2.7 (8.3) (1.3)
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38 Sustainability: 1H26 highlights (1) Note that this ambition includes an additional indicator, "Meeting the annual Net Zero targets aligned with the 2030 pathways and establishing action plans in case of misalignment“, which is reported annually. (2) Group. Refer to the Glossary for definition. (3) Ex BPI. (4) Net Zero scope as at 31-Oct-25, excluding individuals, subsidiaries engaged via parent companies, and project finance-only clients. (5) Jobs generated or improved employability through the support from MicroBank microcredits, students supported by Dualiza, and entrepreneurs supported by “Tierra de Oportunidades”. (6) NPS ranking (last 12 months) among banks with >€10Bn market cap (Stiga BMKS, LTM). (7) Includes social accounts, microcredits, and mobile branch users, among others. (8) MSCI, S&P, Sustainalytics, Fitch, and ISS. (9) Peers included in the SX7E as at YE24. (10) By YE27, and, in those where this is not achieved, maintain the rating at YE24. (11) European Bank for Reconstruction and Development. A2. 2Q26 Supplementary information ADVANCING TOWARDS A MORE SUSTAINABLE ECONOMY(1) PROMOTE SOCIAL AND ECONOMIC PROSPERITY 1H26 HIGHLIGHTSEnd-of-period cumulative figure TargetEVOLUTION OF MAIN KPIs VS. TARGET, JUN-26 » Mobilisation of sustainable finance(2) >€81 Bn >€100 Bn Cumulative 2025-27 » % of financial income generated by sustain. financing(3) 19% 17% 2027 » # of jobs generated with CaixaBank’s support(5) >72,800 150,000 Cumulative 2025-27 » % of customers aged 50-67 years with WM products 30% 33% 2027 » % of high-carbon companies annually engaged on their sustainable transition(4) 30% 90% 2025-27 annual basis » # in ranking of listed banks in Spain for senior customers(6) » # of people with inclusive solutions promoted by CaixaBank(7) #3 #1 2027 >1.75 M Continuous monitoring of a KPI World’s Best Bank for Sustaining Communities 2026 Best Bank for Sustainability Bonds and for Social Bonds in WE 2026 Sustainability ratings(8) vs. European peers(9)TO BE A BENCHMARK IN SUSTAINABILITY > avg. in 5 ratings Above avg. in ≥3 ratings(10) Best Bank in Spain 2026 Best Bank for Corporate Responsibility in Spain Ranked Europe’s #1 sustainable bank by S&P Global 3 EBRD(11) awards recognising CaixaBank’s role in green trade finance Launch of new carbon credits’ trading platform to support corporate clients in offsetting CO₂ emissions 19,642 volunteers participated at CaixaBank’s “Social Month”, carrying out >4,600 activities
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39 Group P&L − €M (1) Equivalent to the sum of “Net fees” and “Insurance service result”. 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 1H26 1H25 Net interest income 2,729 2,662 2,715 2,674 2,636 2,646 5,390 5,282 Revenues from services (1), o/w: 1,398 1,374 1,383 1,302 1,303 1,278 2,772 2,581 Wealth management 555 536 527 511 483 490 1,091 973 Protection insurance 332 326 321 298 287 287 658 575 Banking fees 511 512 535 492 532 502 1,023 1,034 Other revenues 85 91 54 101 90 86 176 177 Dividends 6 49 2 0 5 53 55 58 Equity accounted 94 79 23 118 76 72 173 147 Trading income 45 65 66 44 67 69 110 136 Other op. income & exp. (60) (102) (36) (61) (57) (108) (162) (165) Revenues 4,211 4,127 4,152 4,077 4,030 4,011 8,338 8,040 Total operating expenses (1,668) (1,652) (1,617) (1,620) (1,599) (1,580) (3,320) (3,179) Pre-impairment income 2,543 2,475 2,535 2,458 2,431 2,431 5,018 4,862 LLCs (247) (232) (286) (245) (178) (195) (480) (372) Other provisions (45) (26) (58) (57) (62) (43) (70) (105) Gains/losses on disposals and other 60 12 1 (28) (24) (7) 71 (31) Pre-tax income 2,311 2,228 2,193 2,128 2,167 2,186 4,539 4,353 Income tax (678) (654) (696) (681) (683) (715) (1,332) (1,399) Profit / (loss) after tax 1,633 1,575 1,496 1,447 1,484 1,471 3,207 2,955 Minority interests & other 2 2 2 2 2 1 4 3 Net income 1,631 1,572 1,494 1,445 1,482 1,470 3,203 2,951 Pro memoria Fees 1,047 1,028 1,043 975 986 962 2,075 1,948 Insurance service result 351 346 340 327 317 316 697 633 A3. P&L: Group, by perimeter, and by segment
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40 Income statement by perimeter − €M (1) Equivalent to the sum of “Net fees” and “Insurance service result”. 1H26 % yoy 1H26 CABK % yoy 1H26 BPI % yoy Net interest income 5,390 +2.0% 4,956 +2.3% 434 -1.1% Revenues from services(1), o/w: 2,772 +7.4% 2,609 +7.3% 162 +8.3% Wealth management 1,091 +12.1% 1,056 +11.9% 34 +19.1% Protection insurance 658 +14.5% 634 +14.6% 24 +13.4% Banking fees 1,023 -1.1% 919 -1.6% 103 +4.1% Other revenues 176 -0.4% 104 +6.0% 72 -8.4% Dividends 55 -5.5% 3 +53.9% 53 -7.3% Equity accounted 173 +17.9% 144 +13.2% 29 +48.3% Trading income 110 -19.3% 97 -23.6% 13 +41.4% Other op. income & exp. (162) -1.5% (140) -11.5% (23) Revenues 8,338 +3.7% 7,670 +4.0% 668 +0.1% Total operating expenses (3,320) +4.5% (3,051) +4.3% (269) +5.7% Pre-impairment income 5,018 +3.2% 4,618 +3.8% 399 -3.3% LLCs (480) +28.8% (450) +30.7% (29) +5.6% Other provisions (70) -33.1% (70) -33.0% (0) -92.2% Gains/losses on disposals and other 71 92 (21) -3.3% Pre-tax income 4,539 +4.3% 4,190 +5.0% 349 -3.9% Income tax (1,332) -4.8% (1,248) -4.7% (84) -5.9% Profit / (loss) after tax 3,207 +8.6% 2,942 +9.8% 266 -3.3% Minority interests & other 4 +35.0% 4 +35.0% Net income 3,203 +8.5% 2,938 +9.7% 266 -3.3% Resultado atribuido al Grupo Pro memoria Fees 2,075 +6.5% 1,912 +6.3% 162 +8.3% Insurance service result 697 +10.1% 697 +10.1% A3. P&L: Group, by perimeter, and by segment
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41 Income statement by segment − €M (1) The capital allocation to these businesses and to the investees assigned to the Corporate Center takes into account both the consumption of own funds (at 12.5% of RWAs) and the applicable deductions. (2) 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 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(1) to Banking and Insurance, BPI, and investments in the corporate center. 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 1H26 % yoy 1H26 % yoy 1H26 % yoy Net interest income 4,937 +3.2% 420 -2.2% 33 -50.4% Revenues from services(2), o/w: 2,609 +7.3% 163 +8.5% (0) Wealth management 1,056 +11.9% 34 +19.1% Protection insurance 634 +14.6% 24 +13.4% Banking fees 919 -1.6% 104 +4.3% (0) Other revenues 108 -4.8% 12 -55.5% 56 +55.1% Dividends 3 +53.9% 8 +19.5% 44 -11.1% Equity accounted 148 +3.9% 10 +2.3% 16 Trading income 97 -23.6% 14 +5.9% (2) -66.4% Other op. income & exp. (140) -11.5% (21) (2) -46.2% Revenues 7,654 +4.4% 595 -2.0% 89 -13.5% Total operating expenses (3,015) +4.3% (269) +5.7% (36) +4.4% Pre-impairment income 4,639 +4.5% 326 -7.5% 52 -22.7% LLCs (450) +30.7% (30) +5.8% 0 Other provisions (70) -33.0% (0) -92.2% Gains/losses on disposals & other 92 0 -84.1% (21) Pre-tax income 4,211 +6.1% 297 -8.7% 32 -47.9% Income tax (1,255) -3.7% (78) -12.7% 2 Profit / (loss) after tax 2,956 +10.9% 218 -7.1% 33 -39.2% Minority interests & other 4 +35.0% Net income 2,952 +10.9% 218 -7.1% 33 -39.2% Pro memoria Fees 1,912 +6.3% 163 +8.5% (0) Insurance service result 697 +10.1% Bancassurance BPI Corporate center A3. P&L: Group, by perimeter, and by segment
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42 Credit ratings 21 April 2026 19 March 2026 8 July 2026 18 December 2025 Outlook stable stable stable stable Covered bonds (1) Already incorporates the impact of the Full Depositor Preference (FDB). (2) As at 3 October 2025. (3) As at 18 September 2025. (4) As at 9 January 2026. Aaa(2) AAA(3) AAA(4) SP SNP Tier 2 A2(1) A3 Baa1 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 during 2026 A4. Ratings
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43 CaixaBank ESG indices – ratings 2 88 AAA Leader 9.5 Negligible 4.9 A Leadership B - Status: Prime Transparency: very high Decile rank: #1 1 I 1 I 1 E I S I G Other analysts / ESG ratings: Sustainable Category Listed in the IBEX ESG Rating scaleWorst Best Rating scaleWorst Best ESG Entity Rating Score (solicited) 5 4 3 12 0 10088 Sustainability score CCC B BB BBB A AA AAA Laggard Average Leader ESG rating Severe LowHigh Medium Negligible 10-020-1030-2040-3040+ ESG risk rating ESG corporate rating D- D D+ C- C C+ B- B B+ A- A A+ Transparency level Very low Low Medium High Very high 10 9 8 7 6 5 4 3 2 1 ESG QualityScore ESG rating 0 1 2 3 4 5 Climate change rating D- D C- C B- B A- A Disclosure Awareness Management Leadership 0 10083 83 Gold Sustainability rating A4. Ratings
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44 Term Definition ALCO book Used in reference to the bond portfolio excluding SAREB bonds. 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. Business volume Performing loans plus customer funds (except when otherwise indicated). BVPS Book Value per share. Quotient between equity less minority interests divided by the number of outstanding shares at a specific date. Consumer loans Secured loans to individuals, excluding those for home purchases. Includes personal loans, as well as revolving credit card balances excluding float. CoR (ttm/Annualised) Cost of risk ttm: allowances for insolvency risk ttm divided by gross average lending plus contingent liabilities, using management criteria. Annualised CoR: annualised quarterly allowances for insolvency risk divided by gross quarterly average lending plus contingent liabilities, using management criteria. Customer spread Difference between average rate of return on loans and average cost for client funds.(1) Digital sales / Total sales (Spain) Total sales of core retail products (mainly including cards, consumer financing, mortgages, insurance, investment and savings products) to individual clients in Spain that are done or completed through digital channels (CABK and imagin Apps, CABK website, and ATMs) as a share of total sale of core retail products. 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. Leverage ratio Quotient between Tier 1 capital and total assets, including some off-balance items (contingent risk and commitments), and other adjustments. Definitions (I/II) A5. Glossary 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 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 Liquidity sources Includes total liquid assets (i.e. HQLAs and eligible available assets ex HQLAs) plus covered bond issuance capacity. LtD Loan to deposits. Quotient between net loans and advances to customers using management criteria; and customer deposits on the balance sheet using management criteria.(1) 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. 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 ALCO NII from fixed income portfolio, wholesale funding issuances, and hedging swaps. NII from business volume, qoq / yoy Evolution qoq / yoy 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 Deposit Facility Rate, 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; and average cost of funds.(1) NPL coverage ratio Quotient between total credit loss provisions for loans over non-performing loans and advances to customers.(1) NPL ratio Quotient between non-performing loans over gross loans to customers.(1) (1) For additional details, refer to the “Alternative Performance Measures used by the Group” section of 2Q26 Business Activity and Results report.
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45 Term Definition NPL stock / NPLs Non-performing loans including non-performing contingent liabilities. Performing loan book Total loans and advances to customers less non-performing loans and advances, using management criteria. Pre-impairment income Pre-provision profit / pre-impairment income includes: (+) Revenues; (-) Operating expenses. Protection insurance premiums Includes VidaCaixa life-risk premiums plus SegurCaixa Adeslas non-life premiums sold through the bancassurance network. Presented on an annualised basis. Protection revenues Protection insurance revenues, including insurance service result from life-risk insurance and insurance distribution fees. Revenues from services Equivalent to the sum of “Net fees” and “Insurance service result”. RoTE Return on tangible equity. Profit attributable to the Group trailing 12 months over 12- month average shareholder tangible equity plus valuation adjustments.(1) 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. Definitions (II/II) A5. Glossary Term Definition Sustainable finance mobilisation The cumulative sustainable finance mobilisation in the 2025–2027 period is the sum of: (i) new sustainable financing production for individuals and companies across the Retail, Business, CIB, MicroBank, CPC and BPI businesses, with the amount considered for mobilisation purposes being the risk limit formalised in sustainable financing transactions with clients, including long-term financing, working capital and guarantees, and also taking into account novations and the implicit or explicit renewal of sustainable financing; and (ii) sustainable intermediation in channelling third-party resources towards sustainable investments, including: (a) CaixaBank’s stake in the placement of sustainable bonds for customers; (b) the net increase, excluding market effect, in assets under management in equity and corporate fixed income products of CaixaBank Asset Management under MiFid II; (c) the gross increase, excluding market effect, in assets under management at VidaCaixa in sustainable products under SFDR; (d) intermediation of sustainable funds from third-party management companies under SFDR; and (e) the marketing of sustainable renting. The criteria for consideration as sustainable financing are set out in the CaixaBank Sustainable and Transition Financing Eligibility Guide, developed with the support of Sustainalytics. WM / Wealth mgmt. / Wealth management Revenues Includes AuM fees and insurance service result from savings insurance and unit linked. (1) For additional details, refer to the “Alternative Performance Measures used by the Group” section of 2Q26 Business Activity and Results report.
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46 Term Definition ABS Asset-backed security. AC Amortised Cost. AEB Asociación Española de Banca. Spain. AT1 Additional Tier 1. BB / FB Back Book / Front Book BoD Board of Directors. BoP Bank of Portugal. BoS Bank of Spain. CAGR Compound Annual Growth Rate. CET1 Common Equity Tier 1. C/I ratio Cost-to-income ratio. DPS Dividend per share. DTA Deferred tax assets. EPS Earnings per Share. ETP Exchange Traded Product. FDP Full Depositor Preference. FV Fair Value. HQLAs High quality liquid assets. ICO Instituto de Crédito Oficial. Spain. ID Investor Day (19 November 2024). INE Instituto Nacional de Estadística. Spain. LCR Liquidity coverage ratio. LLCs Loan-loss charges. Acronyms and abbreviations Term Definition LTV Loan to Value. M-MDA Maximum Distributable Amount related to MREL. MDA buffer Maximum Distributable Amount buffer. MSD Mid single digit. NFC Non-financial corporation NPS Net promoter score indicator. NSFR Net stable funding ratio. O-SII buffer Other systemically important institution. OCI Other Comprehensive Income. ORI Other Relevant Information. P# Abbreviation of Peer #. P2R Pillar 2 Requirement. SME Small and medium enterprises. SNP Senior non preferred debt. SP Senior preferred debt. SREP Supervisory Review and Evaluation Process. SRT Significant Risk Transfer. SSA Sovereign, supra-national, and agencies. SX7E Euro Stoxx Banks. T2 Tier 2. TGSS Tesorería general de la seguridad social. Spain. TLCF Tax loss carry-forward. WE Western Europe. A5. Glossary