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Third quarter of 2026 1 3Q26 Quarterly Financial Report

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Third quarter of 2026 2 Disclaimer This document is strictly for information purposes only and is not an offer of any product. No agreement or commitment should be based or dependent on this document or any part thereof. Any decisions concerning financial transactions should take into account the client’s needs and their appropriateness from a legal, fiscal, accounting and/or financial point of view, in accordance with the information documents envisaged by the law in force. Investments mentioned or recommended herein may not be suitable for all investors. The opinions, forecasts and estimates contained in this document are based on available public information and are an evaluation by Banco de Sabadell, S.A. as at the date of preparing this document. No assurance is given that future results or events will conform to these opinions, forecasts and estimates. The information is subject to change without prior notice, its accuracy is not guaranteed and it may be incomplete or summarised. Banco de Sabadell, S.A. accepts no liability whatsoever for any losses arising from the use of this document or its content, or otherwise in connection herewith. Basis of presentation The consolidated income statement and balance sheet as at the end of September 2026 and 2025, together with the disclosures shown in this Financial Report, are presented in accordance with the accounting standards, principles and criteria defined in Note 1 to the Group’s consolidated interim financial statements as at 30 June 2026. Pursuant to the Guidelines on alternative performance measures published by the European Securities and Markets Authority on 5 October 2015 (ESMA/2015/1415), a glossary has been included with the definitions and the reconciliation with the items presented in the financial statements of certain alternative financial measures used in this document. See Glossary of terms on performance measures. 1. Summary 3 2. Key figures 5 3. Performance review 6 Macroeconomic environment 6 Income statement 8 Balance sheet 13 Risk management 17 Liquidity management 20 Capital management and credit ratings 21 Results, by business unit 23 4. Share price performance 27 5. Key developments 28 6. Reconciliation and glossary of terms on performance measures 29 Reconciliation of Group data used for statutory reporting 29 Alternative Performance Measures 32

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Third quarter of 2026 3 1. Summary Net interest income Net interest income came to 2,694 million euros as at the end of September 2026, a figure 0.6% lower than the one recorded one year earlier, as a result of the impact of changing interest rates on asset performance, which neutralised the positive effect of volume growth. The quarterly growth of net interest income of 2.0% reflects the positive trend followed by average volumes and upward asset repricing, which offset the higher cost of funds. Net fees and commissions Net fees and commissions amounted to 983 million euros as at September 2026, 2.1% more than in the same period of the previous year. This reflects the larger contribution of asset management fees and insurance fees. During the quarter, mutual fund fees drove total fees and commissions up by 3.7%, as they benefitted from the new agreement with Amundi. Service fees and fees related to risk operations remained stable, despite the negative seasonality of the quarter. Total costs Total costs came to 1,797 million euros as at the end of September 2026, including 88 million euros of non-recurrent costs stemming from efficiency initiatives in Spain recognised in the first half of the year. Recurrent costs, for their part, increased by 3.8% year-on-year, with a particularly noteworthy increase in depreciation and amortisation, impacted by the reclassification out of the provisions line item of expenses associated with assets in the payments business (Paycomet) during the fourth quarter of 2025, after its sale did not go ahead. Excluding this impact, recurrent costs rose by 2.7% year-on-year. Costs dropped by 5.5% in quarter-on-quarter terms, reflecting the impact of recognising 33 million euros of non-recurrent costs during the second quarter. Excluding this effect, recurrent costs remained stable with respect to the previous quarter. Net profit As at the end of September 2026, net profit amounted to 1,297 million euros, although that figure rises to 1,376 million euros if one includes the net contribution from TSB corresponding to the first four months of the year. RoTE climbed to 15.5%, with recurrent RoTE standing at 14.2%*. * Proforma adjusted in the period for the sale of TSB, which entails the distribution of a 50 euro cent dividend and the deconsolidation of TSB intangibles. Does not include TSB profit and does not consider one-off impacts. Change YoY: Change QoQ: Change YoY: Change QoQ: Change YoY: Change QoQ: (1) Change over total recurrent costs. Change YoY: Change QoQ: Total costs Net profit +3.8% +3.7% Net interest income Net fees and commissions +2.0% +2.1% -0.6% -33.3% -0.1% +13.0% 1,646 1,709 570 570 0 88 33 01,646 1,797 603 570 9M25 9M26 2Q26 3Q26 Recurrent costs Non-recurrent costs 2,709 2,694 902 920 9M25 9M26 2Q26 3Q26 962 983 328 340 9M25 9M26 2Q26 3Q26 (1) 1,148 1,297 608 405 9M25 9M26 2Q26 3Q26 (1) NOTE: The information presented in this report corresponds to management reporting data. For statutory reporting data and its reconciliation, see section 6. The information relating to the income statement, balance sheet data, customers, risk management and liquidity management refers to the ex-TSB perimeter. Similarly, the income statement shows the net contribution by TSB in aggregate under a single heading.

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Third quarter of 2026 4 Performing loans Performing loans recorded year-on-year growth of 4.0%, driven by the positive trend followed across all segments, with good performance in both Spain and international businesses, particularly those in Miami and Mexico. In quarter-on-quarter terms, lending volumes dipped slightly by 0.2%, affected by seasonality. Customer funds Customer funds recorded year-on-year growth of 5.6%, driven both by the favourable trend of on-balance sheet funds and by the increase in off-balance sheet funds. Within the latter, it is especially worth highlighting the positive trend followed by mutual funds, which were driven by a positive flow of net subscriptions and by the good performance of asset management activity. In quarter-on-quarter terms, customer funds grew by 0.7%, mainly driven by off-balance sheet funds. Non-Performing Assets (NPAs) The NPL ratio dropped to 2.40%, while the stage 3 coverage ratio with total provisions rose to 70.1%. The balance of NPAs fell by 140 million euros during the quarter and by 477 million euros over the last twelve months, increasing coverage to 64.7%. Credit cost of risk stood at 32 bps, while total cost of risk was 40 bps. Capital ratio The fully-loaded* CET1 ratio stood at 13.12% as at the end of September 2026. The phase-in CET1 ratio stood at 13.17% and the Total Capital ratio at 18.11%, putting it above regulatory requirements, with an MDA buffer of 424 bps. *Applying the regulatory implementation timeline for the output floor. Change YoY: Change QoQ: Change YoY: Change QoQ: +0.7% CET1 fully-loaded (%) Performing loans Total customer funds NPL and coverage ratios (%) Non-performing assets +4.0% +5.6% -0.2% 13.74 13.11 13.12 Sep 25 Jun 26 Sep 26 120,103 125,184 124,913 Sep 25 Jun 26 Sep 26 127,660 133,380 133,569 51,670 54,726 55,880 179,330 188,106 189,449 Sep 25 Jun 26 Sep 26 On-balance sheet customer funds Off-balance sheet customer funds 3,634 3,390 3,298 729 636 588 4,363 4,025 3,886 Sep 25 Jun 26 Sep 26 Stage 3 assets Foreclosed RE assets 2.75 2.47 2.40 69.3 68.7 70.1 53.3 52.5 53.5 17 . 00 27 . 00 37 . 00 47 . 00 57 . 00 67 . 00 Sep 25 Jun 26 Sep 26 NPL ratio Stage 3 coverage ratio with total provisions Stage 3 coverage ratio

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Third quarter of 2026 5 2. Key figures (1) Taking into account the best estimate as at the date of publication of this report. (2) Fully-loaded ratio, applying the regulatory implementation timeline for the output floor. According to supervisory expectations, regulatory ratios should reflect a deduction from CET1 corresponding to any excess above the threshold set at any given time for extraordinary capital distributions (defined as a fully-loaded ratio, applying the regulatory implementation timeline for the output floor). (3) Total number of shares minus final treasury stock position (including shares in the buyback programme, where applicable). (4) Historical values not adjusted. (5) Throughout this document, YoY changes in relation to the income statement refer to the cumulative nine-month period up to the end of September 2026 versus the same cumulative nine-month period of 2025. (5) 30.09.25 30.09.26 Yo Y (%) Profit and loss account (€ millions) Net interest income 2,709 2,694 -0.6 Core revenues 3,672 3,677 0.1 Gross operating income 3,738 3,777 1 .0 Pre-provisions income 2,092 1 ,981 -5.3 Net profit 1 ,1 48 1 ,297 1 3.0 Net profit including TSB 1 ,390 1 ,376 -- Balance sheet (€ millions) Total assets 244,529 1 99,258 -1 8.5 Performing gross loans 1 20,1 03 1 24,91 3 4.0 Gross loans to customers 1 23,670 1 28,309 3.8 On-balance sheet customer funds 1 27,660 1 33,569 4.6 Off-balance sheet customer funds 51 ,670 55,880 8.1 Total customer funds 1 79,330 1 89,449 5.6 Net equity 1 4,1 1 2 1 2,01 3 -1 4.9 Shareholders' equity 1 4,654 1 2,401 -1 5.4 Profitability and efficiency ratios (%) ROA 0.8 0.8 RORWA 2.4 2.3 ROE 1 2.5 1 2.7 ROTE 1 5.0 1 5.5 Efficiency (includes non-recurrent costs) 44.0 47.6 Risk management NPL ratio (%) 2.75 2.40 Stage 3 coverage ratio with total provisions (%) 69.3 70.1 Credit cost of risk (bps) 21 32 Total cost of risk (bps) 41 40 Liquidity management (%) Loan-to-deposit ratio 94.0 92.8 LCR 1 84 1 85 NSFR (1 ) 1 35 1 32 Capital management (2) Risk weighted assets (RWA) (€ millions) 79,608 70,568 -1 1 .4 Common Equity Tier 1 (%) 1 3.80 1 3.1 7 Common Equity Tier 1 fully-loaded (%) 1 3.74 1 3.1 2 Tier 1 (%) 1 7.25 1 6.35 Total capital ratio (% ) 1 9.51 1 8.1 1 M REL (% RWA) 29.07 28.04 M REL (% LRE) 9.50 1 0.1 5 Leverage ratio (%) 5.64 5.92 Share data (period end) Number of outstanding shares minus the treasury shares (millions) (3) 4,997 4,681 -6.3 Share price (€ ) (4) 3.300 3.652 1 0.7 M arket capitalisation (€ millions) 1 6,491 1 7,096 3.7 Earnings per share (EPS) (€ ) 0.34 0.33 -2.6 Book value per share (€ ) 2.93 2.65 -9.7 TBV per share (€ ) 2.42 2.1 3 -1 1 .8 Price / TBV (times) 1 .36 1 .71 Price-to-earnings ratio 9.84 1 1 .1 8 Other data Branches 1 ,1 63 1 ,083 Employees 1 4,1 68 1 3,749

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Third quarter of 2026 6 3. Performance review Macroeconomic environment Global economic, political and financial context Tensions in the Middle East escalated over the summer. Hostilities between the United States and Iran resumed, with pro-Iranian militias in Iraq and Yemen also becoming involved. In addition, attacks on energy infrastructure in Saudi Arabia forced the closure of the East-West oil pipeline, one of the main alternative routes for exporting oil without transiting the Strait of Hormuz. Against this backdrop, energy and refined product prices remained elevated, despite an agreement between the United States and Russia to supply diesel to the US market. Trade tensions with China lingered, although the US president extended the trade truce until mid-January. Meanwhile, the European Union and China agreed to establish a quota for EU imports of Chinese-made hybrid vehicles. Economic activity continued to be resilient, underpinned by AI-related investment. However, pockets of weakness persisted in some economies. In China, weak domestic demand accounted for most of the underperformance, while in Europe, activity was supported by Germany’s fiscal expansion programme. The IMF incorporated these developments into its new upward revision of its global GDP growth forecast for 2026, while maintaining its assessment that risks to the economic outlook remained tilted to the downside. Inflation rebounded across several economies as a result of rising energy prices and remained well above central banks’ targets. This was further exacerbated by persistently high services inflation. On the political front, Germany’s far-right party, Alternative for Germany (AfD), made significant gains amidst tensions within the governing coalition, which delayed the implementation of structural reforms. The party achieved historically high results in several eastern German states and took the lead in voting intention polls. Economic situation in Spain In Spain, economic growth remained strong in Q3 2026, following GDP growth of 0.7% quarter-on-quarter in Q2 2026, driven by robust consumption, investment and services exports. Confidence indicators improved over the quarter, with the services PMI at levels compatible with robust expansion and the manufacturing PMI regaining ground towards the end of the period. In addition, the labour market continued to show remarkable momentum, with an increase in the number of social security enrolments (partly driven by the extraordinary migrant regularisation process) and a further decline in the unemployment rate, down to 9.9% in Q2 2026, its lowest level since 2008. Against this backdrop, the Bank of Spain revised its growth forecasts up to 2.6% for 2026 and to 2.2% for 2027. Nonetheless, some indicators continued to point to greater weakness in industry and the external sector, with industrial production and the trade deficit showing signs of deterioration. As regards prices, inflation rebounded sharply over the summer, standing at 5.0% year-on-year in September, mainly driven by higher energy and fuel prices. Meanwhile, core inflation moderated gradually, although it remained at relatively high levels, while industrial and foreign trade prices also accelerated. Consequently, the Bank of Spain revised its inflation forecasts up to 3.9% for 2026 and to 3.7% for 2027. Lastly, on the economic policy front, new measures were approved to mitigate the impact of higher energy prices, while the approval of two housing decrees was also noteworthy. Challenges in securing parliamentary approval for some housing measures led to snap elections being called for 29 November. Economic situation in Mexico In Mexico, investment has recently gained momentum. Industrial production also continued to expand at a solid pace until August, most likely supported by exports to the United States. These were driven by technology products associated with AI, which have more than offset the weaker contribution from vehicle exports. Looking ahead, the extent to which investment can consolidate the improvement seen in recent months will be key, despite the uncertainty surrounding the United States’ decision not to renew the USMCA beyond 2036, at least for now. Meanwhile, concerns remain over Mexico’s ability to consolidate its public finances. With regard to prices, both headline and core inflation remained within the central bank’s target. Nevertheless, services inflation stayed persistently elevated, at above 4%. Against this backdrop, Banxico left its policy rate unchanged at 6.50%, in line with consensus expectations. The policy rate has remained at this level since the monetary authority ended its cycle of rate cuts last May. Banxico noted that, given the difference between macroeconomic conditions in Mexico and the United States, monetary policy does not need to respond mechanically to Federal Reserve rate hikes. In addition, the central bank considers that risks to economic activity in Mexico remain skewed to the downside, while risks to inflation are tilted to the upside. Fixed-income markets The ECB continued its monetary tightening cycle, raising interest rates again in September and bringing the deposit facility rate to 2.50%. The decision was driven by a deterioration in the inflation outlook. More specifically, the ECB revised its inflation forecast for 2027 upwards to 2.5%. Subsequently, several ECB members left the door open to further rate hikes to prevent second-round effects. The Fed also raised interest rates at its September meeting, bringing the target range for the Fed funds rate to between 3.75% and 4.00%. The decision reflected a shift towards a more restrictive stance, which the Fed had already signalled at the end of August during its annual Jackson Hole symposium. At the meeting, K. Warsh indicated that monetary policy might not be restrictive enough. Furthermore, the Federal Reserve revised its growth and inflation forecasts upwards, noting that the investment boom in artificial intelligence was generating additional demand-side pressures. The interest rate projections also reflected a more restrictive stance. In particular, policymakers began to anticipate a further rate hike in 2026, while the median projection was higher than in the June forecasts.

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Third quarter of 2026 7 Yields on 10-year government bonds rebounded sharply, reaching their highest levels in several years in Japan, the United Kingdom, Germany and the United States. Factors driving these developments notably included (i) the protracted conflict in the Middle East and the resulting rise in energy prices, (ii) the resilience of the global economy to the energy shock, (iii) the hawkish stance of the Fed and the ECB, (iv) expectations of monetary policy tightening in Japan, (v) heightened fiscal concerns on a global scale, (vi) the large volume of debt issuance by hyperscalers to finance investment in AI, and (vii) disappointment over the US Treasury’s announcement regarding debt buybacks. In France, the risk premium rebounded significantly, climbing to its highest levels since 2012, amid concerns over the fragility of public finances and the government’s challenges in approving budgets including fiscal consolidation measures. The governor of the central bank warned that the country risks being stifled by financing costs if this fiscal adjustment process is not undertaken. Nevertheless, several ECB members reiterated that the current situation does not warrant ECB intervention in sovereign debt markets. Lagarde indicated that the central bank has the necessary instruments to intervene in the markets in the event of unjustified movements. The risk premiums of countries in the European periphery also came under upward pressure, especially Italy and Greece, amid concerns over France. Equity markets Equity markets delivered mixed performance in Q3 2026. Their performance was constrained by shifting expectations around interest rates, concerns over financing, competition and return on investments in artificial intelligence, as well as trade and geopolitical uncertainties. The United States once again demonstrated greater relative resilience, with the S&P 500 gaining 2.0%, while most European equity markets ended the quarter lower: the Euro Stoxx fell by 1.58% and the IBEX 35 by 0.89%. The CAC 40 was a notable underperformer, declining by 5.9%, while the DAX remained broadly unchanged (0.15%). In Asia, the Nikkei fell by 0.81%. GDP – USA vs Euro area (year-on-year change, %) Official interest rate – USA vs Euro area (%) Source: Bloomberg. Exchange rates: parity vs euro Source: Bank of Spain. -16. 0 -12. 0 -8.0 -4.0 0.0 4.0 8.0 12.0 16.0 9/17 9/18 9/19 9/20 9/21 9/22 9/23 9/24 9/25 9/26 US GDP Euro area GDP -0.5 0.5 1.5 2.5 3.5 4.5 5.5 9/17 9/18 9/19 9/20 9/21 9/22 9/23 9/24 9/25 9/26 US official interest rat e Euro area official interest rat e 30.09.25 31.12.25 31.03.26 30.06.26 30.09.26 USD 1.1741 1.1750 1.1498 1.1394 1.1355 MXN 21.5314 21.1180 20.7101 19.9030 20.5816

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Third quarter of 2026 8 Income statement Summary of results: As at the end of September 2026, Banco Sabadell had earned net profit of 1,297 million euros, a figure that rises to 1,376 million euros if one includes the net contribution from TSB during the first four months of the year. In the third quarter, net profit amounted to 405 million euros, reflecting growth of 12.9% after separating the non-recurring impacts booked and disclosed in the previous quarter. This performance was driven by the growth of net interest income, underpinned by the positive trend followed by average volumes and upward asset repricing, and also by the increase in fees and commissions, especially those linked to mutual funds. In addition, the containment of costs and the improvement in provisions, particularly those associated with credit risk, contributed favourably to the end results. Cumulative income statement Net interest income 2,709 2,694 -0.6 Net fees and commissions 962 983 2.1 Core revenues 3,672 3,677 0.1 Net trading income and exchange differences -15 46 -- Income from equity method and dividends 136 105 -22.6 Other operating income/expense -54 -51 -6.3 Gross operating income 3,738 3,777 1.0 Operating expenses -1,381 -1,492 8.1 Personnel expenses -893 -996 11.6 Other general expenses -488 -496 1.7 Amortisation & depreciation -265 -304 14.7 Total costs -1,646 -1,797 9.1 Memorandum item: Recurrent costs -1,646 -1,709 3.8 Non-recurrent costs 0 -88 -- Pre-provisions income 2,092 1,981 -5.3 Provisions for NPLs -296 -385 30.0 Provisions for other financial assets -24 -41 69.6 Other impairments -47 8 -- Gains on sale of assets and other results -17 277 -- Profit before tax 1,708 1,840 7.7 Income tax -559 -539 -3.5 Minority interest 1 3 185.0 Net profit 1,148 1,297 13.0 TSB net contribution 242 79 -- Net profit including TSB 1,390 1,376 -- YoY (%)(€ millions) 9M25 9M26

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Third quarter of 2026 9 Quarterly income statement Net interest income: Net interest income came to 2,694 million euros as at the end of September 2026, a figure 0.6% lower than the one recorded one year earlier, as a result of the impact of changing interest rates on asset performance, which neutralised the positive effect of volume growth. The quarterly growth of net interest income of 2.0% reflects the positive trend followed by average volumes and upward asset repricing, which offset the higher cost of funds. Customer margin and net interest margin: The customer margin stood at 2.86% as at the end of the third quarter of 2026, improving by 2 bps in the quarter and falling by 5 bps compared to the same period in the previous year. The quarterly improvement came on the back of the improved loan yield associated with the portfolio’s repricing, which offset the increased cost of customer funds. Compared to the third quarter of the previous year, the increased cost of funds outweighed the positive effect of the higher loan yield. As for the net interest margin as a percentage of average total assets, this improved by 2 bps both in the quarter and in comparison with the same period one year earlier. Net interest income (%) Net interest income 899 895 872 902 920 2.0 Net fees and commissions 31 4 332 31 5 328 340 3.7 Core revenues 1,213 1,227 1,187 1,230 1,260 2.4 Net trading income and exchange differences -31 -4 1 16 29 82.3 Income from equity method and dividends 34 45 24 41 40 -3.9 Other operating income/expense -1 1 -56 -1 7 -20 -1 4 -30.2 Gross operating income 1,204 1,212 1,195 1,267 1,315 3.7 Operating expenses -470 -486 -523 -501 -468 -6.7 Personnel expenses -301 -31 5 -361 -333 -302 -9.4 Other general expenses -1 69 -1 71 -1 62 -1 68 -1 66 -1 .2 Amortisation & depreciation -91 -1 1 9 -1 00 -1 02 -1 02 0.1 Total costs -561 -605 -624 -603 -570 -5.5 M emorandum item: 0 Recurrent costs -561 -605 -569 -570 -570 -0.1 Non-recurrent costs 0 0 -55 -33 0 -1 00.0 Pre-provisions income 643 608 572 664 745 12.2 Provisions for NPLs -1 1 7 -1 30 -1 20 -1 37 -1 27 -7.2 Provisions for other financial assets -3 -1 4 -1 8 -1 5 -7 -50.6 Other impairments -6 20 5 0 2 -- Gains on sale of assets and other results -4 -20 0 280 -3 -- Profit before tax 513 463 438 792 610 -23.0 Income tax -1 69 -1 53 -1 52 -1 83 -204 1 1 .8 M inority interest 0 1 2 1 0 -1 00.0 Net profit 344 310 284 608 405 -33.3 TSB net contribution 70 76 63 16 0 -- Net profit including TSB 414 386 347 624 405 -- (€ millions) 3 Q2 5 4 Q2 5 1Q2 6 2 Q2 6 3 Q2 6 Qo Q ( % ) 2.91% 2.88% 2.85% 2.84% 2.86% 1.79% 1.83% 1.78% 1.79% 1.81% 3Q25 4Q25 1Q26 2Q26 3Q26 Customer spread Net interest margin as % of ATA

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Third quarter of 2026 10 Evolution of net interest income Quarterly evolution of net interest income (€ million) Gains and charges in the quarter (1) Includes cash, central banks, credit institutions and reverse repos. (2) Includes repos. Profit or loss on financial operations and exchange differences: As at the end of September 2026, this item reached 46 million euros, above the figure recorded in the same period of the previous year, driven by increased gains on derivatives and by the increased contribution from BSCapital. The growth compared to the preceding quarter is mainly explained by the increased gains on derivatives. Net fees and commissions: Net fees and commissions amounted to 983 million euros as at September 2026, 2.1% more than in the same period of the previous year. This reflects the larger contribution of asset management fees and insurance fees. During the quarter, mutual fund fees drove total fees and commissions up by 3.7%, as they benefitted from the new agreement with Amundi. Service fees and fees related to risk operations remained stable, despite the negative seasonality of the quarter. -0.6% +2.0% Change YoY: Change QoQ: 899 895 872 902 920 3Q25 4Q25 1Q26 2Q26 3Q26 902 920 +24 +3 -9 2Q26 Customer NII Calendar days ALCO, liquidity, wholesale funding and others 3Q26 (€ millions) Cash and cash equivalents (1 ) 28,256 2.39 1 70 21 ,926 2.41 1 33 24,989 2.21 1 36 25,246 2.22 1 40 23,573 2.39 1 42 Loans to customers (net) 1 1 8,000 3.68 1 ,093 1 1 9,1 04 3.64 1 ,093 1 1 9,374 3.63 1 ,070 1 22,1 90 3.62 1 ,1 04 1 23,842 3.70 1 ,1 55 Fixed-income securities 34,496 2.99 260 34,893 2.97 261 36,348 2.94 263 37,564 2.86 268 37,393 2.88 272 Other assets 1 7,602 0.65 29 1 7,632 0.26 1 2 1 7,926 0.20 9 1 6,957 0.53 22 1 6,593 0.59 25 Total assets 198,354 3.10 1,552 193,554 3.07 1,499 198,637 3.02 1,478 201,957 3.05 1,534 201,401 3.14 1,593 Financial institutions (2) 28,405 -2.48 -1 77 22,600 -2.54 -1 45 25,01 8 -2.40 -1 48 27,084 -2.37 -1 60 25,1 82 -2.51 -1 59 Customer deposits 1 26,488 -0.77 -244 1 28,01 4 -0.76 -244 1 31 ,932 -0.78 -253 1 32,854 -0.78 -258 1 34,768 -0.84 -284 Capital markets 21 ,808 -3.08 -1 69 21 ,446 -2.99 -1 61 21 ,536 -3.00 -1 59 20,754 -3.1 7 -1 64 21 ,078 -3.38 -1 80 Other liabilities and shareholders' equity 21 ,652 -1 .1 3 -62 21 ,495 -0.98 -53 20,1 51 -0.90 -45 21 ,265 -0.94 -50 20,372 -0.99 -51 Total funds 198,354 -1.31 -652 193,554 -1.24 -604 198,637 -1.24 -605 201,957 -1.26 -632 201,401 -1.33 -673 Net interest income 899 895 872 902 920 Customer spread 2.91 2.88 2.85 2.84 2.86 Net interest margin as % of ATA 1.79 1.83 1.78 1.79 1.81 1Q2 6 Av ge . ba l a nc e Ra t e % Re sul t s 2 Q2 6 Av ge . ba l a nc e Ra t e % Re sul t s 3 Q2 6 Av ge . ba l a nc e Ra t e % Re sul t s 4 Q2 5 Av ge . ba l a nc e Ra t e % Re sul t s 3 Q2 5 Av ge . ba l a nc e Ra t e % Re sul t s

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Third quarter of 2026 11 Evolution of net fees and commissions Net fees and commissions Income from equity method and dividends: This item stood at 105 million euros as at September 2026, below the figure recorded for the same period in the previous year, mainly due to the smaller contribution from the insurance business, in turn affected by market volatility. In quarter-on-quarter terms, the trend remained stable with respect to the previous quarter. Other operating income and expenses: This item amounted to −51 million euros as at the end of September 2026, improving by 3 million euros in year-on- year terms. In the quarter, this item amounted to −14 million euros. Total costs: Total costs came to −1,797 million euros as at the end of September 2026 and include −88 million euros of non- recurrent costs stemming from efficiency initiatives in Spain recognised in the first half of the year. Recurrent costs, for their part, increased by 3.8% year-on-year, with a particularly noteworthy increase in depreciation and amortisation, impacted by the reclassification out of the provisions line item of expenses associated with assets in the payments business (Paycomet) during the fourth quarter of 2025, after its sale did not go ahead. Excluding this impact, recurrent costs rose by 2.7% year-on-year. Costs dropped by 5.5% in quarter-on-quarter terms, reflecting the impact of recognising −33 million euros of non-recurrent costs in the second quarter. Excluding this effect, recurrent costs remained stable with respect to the previous quarter. Change YoY: +2.1% Change QoQ: +3.7% 82 101 93 92 103 166 159 158 169 168 65 72 65 67 68 314 332 315 328 340 3Q25 4Q25 1Q26 2Q26 3Q26 Asset Management and insurance Services Risk transaction fees (€ millions) 2 Q2 6 3 Q2 6 Qo Q ( % ) 9 M 2 5 9 M 2 6 Y o Y ( % ) Lending fees 42 45 5.7 1 30 1 29 -1 .0 Guarantees commissions 24 24 -2.8 72 71 -1 .7 Risk transaction fees 67 68 2.6 202 200 -1.3 Payment methods 46 50 8.2 1 37 1 36 -0.5 Payment orders 15 15 -2.4 48 44 -8.7 Securities 19 18 -4.2 51 55 7.1 Demand deposits 54 60 1 0.0 1 65 1 70 2.7 Foreign currency and notes exchange 19 20 2.1 63 58 -8.8 Other transactions 16 6 -59.0 44 32 -27.8 Services fees 169 168 -0.5 510 495 -2.9 M utual funds 33 45 36.8 92 110 1 9.4 Pension funds and insurance brokerage 49 47 -3.7 1 28 1 47 1 5.0 M anaged accounts 10 11 9.9 31 31 2.0 Asset Management and insurance 92 103 12.4 251 288 15.0 Total commissions 328 340 3.7 962 983 2.1

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Third quarter of 2026 12 Total costs Evolution of total costs Provisions for credit losses and other impairments: Provisions came to a total of −418 million euros as at September 2026, putting them above the figure recorded in the same period of the previous year, due to higher provisions for credit risk, which offset the improvement recorded by provisions for real estate and NPA management expenses. In quarterly terms, provisions followed a favourable trend, due to the smaller volume of credit risk provisions. With this level of provisions, credit cost of risk stood at 32 bps as at the end of September 2026 and total cost of risk stood at 40 bps. Gains on sale of assets and other results: As at the end of September 2026, this item mainly included 331 million euros gross related to the sale of TSB and −45 million euros gross/net related to the sale of a shareholding, both booked in the second quarter of the year. Asset write-offs were recorded both this quarter and in the same period of the previous year, which had a negative impact on this item. Net profit: As at the end of September 2026, net profit came to 1,297 million euros, representing a year-on-year increase of 13.0%. When taking into account TSB’s net contribution during the first four months of the year, that profit rises to 1,376 million euros. Not including the 201 million euros net of non-recurring impacts booked and disclosed in the first half of the year, net profit showed a year-on-year reduction of 5.3% and an increase during the quarter of 12.9%. (€ millions) 2 Q2 6 3 Q2 6 Qo Q ( % ) 9 M 2 5 9 M 2 6 Y o Y ( % ) Personnel expenses -333 -302 -9.4 -893 -996 11.6 IT and communications -67 -67 0.2 -1 90 -201 5.9 Publicity -1 3 -1 4 4.5 -48 -41 -1 5.3 Property and plant -1 1 -1 0 -1 5.6 -25 -29 1 6.8 Technical reports and judicial expenses -6 -1 1 64.7 -30 -24 -1 9.2 Outsourced administrative services -1 8 -1 9 5.5 -56 -57 2.3 Contributions and taxes -29 -25 -1 3.5 -86 -81 -6.2 Others -23 -21 -9.8 -52 -62 1 9.1 Other general expenses -168 -166 -1.2 -488 -496 1.7 Amortisation & depreciation -102 -102 0.1 -265 -304 14.7 Total costs -603 -570 -5.5 -1,646 -1,797 9.1 M emorandum item: Recurrent costs -570 -570 -0.1 -1 ,646 -1 ,709 3.8 Non-recurrent costs -33 0 -1 00.0 0 -88 -- Efficiency ratio (includes non-recurrent costs) (%) 44.0 47.6 (1) Change over total recurrent costs. Change QoQ: Change YoY: -0.1% +3.8% 301 315 307 301 302 169 171 162 167 166 91 119 100 102 102 0 0 55 33 0 561 605 624 603 570 3Q25 4Q25 1Q26 2Q26 3Q26 Recurrent personnel expenses Recurrent other general expenses Recurrent amortisation Non-recurrent costs (1) (1)

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Third quarter of 2026 13 Balance sheet Highlights: Performing loans followed a positive trend in year-on-year terms, driven by good momentum across all segments, with good performance in both Spain and international businesses. In the quarter-on-quarter comparison, lending volumes dipped slightly, affected by seasonality. Customer funds recorded year-on-year growth, driven both by the favourable trend of on-balance sheet funds and by the increase in off-balance sheet funds. Within the latter, it is especially worth highlighting mutual funds, in addition to the positive trend followed by asset management activity. In quarter-on-quarter terms, customer funds continued to follow a positive trend, mainly driven by the growth of off- balance sheet funds. Loans and advances to customers: Gross performing loans amounted to 124,913 million euros as at the end of September 2026, representing year-on- year growth of 4.0%. In quarter-on-quarter terms, lending was affected by seasonality, dipping slightly by 0.2%. In the Spain perimeter, gross performing loans grew by 2.1% in year-on-year terms, driven by the growth of the mortgage book and consumer credit, while in the quarter they fell by 0.6%. Gross performing loans in foreign branches (Europe and Miami) amounted to 13,004 million euros as at September 2026, representing a year-on-year increase of 15.7%, mainly driven by the positive trend followed by the portfolio in Miami. Quarter-on-quarter, lending increased by 2.4%, driven by the growth recorded by the branches and offices in Europe. In the Spain perimeter, including foreign branches, gross performing loans were up 3.4% in year-on-year terms and down 0.3% in the quarter. Mexico recorded growth of 19.0% year-on-year and of 0.8% in the quarter, impacted by the performance of the US dollar and the Mexican peso. At constant exchange rates, year-on-year growth stood at 14.4%, while the quarterly growth reached 2.8%, reflecting the positive trend of the business. Loans and advances to customers (€ millions) 3 0 .0 9 .2 5 3 0 .0 6 .2 6 3 0 .0 9 .2 6 Y o Y ( % ) Qo Q ( % ) M ortgage loans & credits 50,343 51 ,824 52,689 4.7 1 .7 Other secured loans & credits 4,956 7,1 34 7,041 42.1 -1 .3 Working capital 8,481 8,821 8,632 1 .8 -2.1 Leasing 2,61 1 2,764 2,734 4.7 -1 .1 Unsecured lending and others 53,71 2 54,642 53,81 6 0.2 -1 .5 Gro ss perfo rming lo ans 120,103 125,184 124,913 4.0 -0.2 Stage 3 assets (customer) 3,367 3,1 45 3,061 -9.1 -2.7 Accruals 200 1 75 279 39.7 59.9 Gro ss lo ans to custo mers (excluding repo s) Reverse repos 0 0 56 -- -- Gro ss lo ans to custo mers 123,670 128,504 128,309 3.8 -0.2 Impairment allowances -2,374 -2,1 96 -2,1 88 -7.8 -0.4 Lo ans and advances to custo mers 121,297 126,308 126,121 4.0 -0.1 C hang e 3.7 -0.2123,670 128,504 128,253

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Third quarter of 2026 14 Gross performing loans, by segment, 30.09.2026 (%) Liabilities: Customer funds: Total customer funds amounted to 189,449 million euros as at September 2026, representing growth of 5.6% year-on- year and of 0.7% compared to the previous quarter. On-balance sheet customer funds came to a total of 133,569 million euros, with year-on-year growth of 4.6%, driven by the positive trend of both demand deposits and term deposits. In quarter-on-quarter terms, on-balance sheet funds recorded a slight increase of 0.1%. Demand deposit balances amounted to 110,726 million euros, entailing growth of 3.3% compared to the same period in the previous year and of 0.6% in the quarter. Term deposits, for their part, amounted to 22,381 million euros, 11.0% more than one year previously, while in quarterly terms they recorded a reduction of 1.7%, offset by the growth of other customer fund categories. Off-balance sheet customer funds amounted to 55,880 million euros as at September 2026, representing year-on- year growth of 8.1%. This was driven by the positive trend followed by mutual funds, in turn underpinned by a positive flow of net subscriptions and by the good performance of asset management activity. In quarter-on-quarter terms, off-balance sheet funds increased by 2.1%, supported by these same business lines. Funds under management and third-party funds: This item amounted to a total of 215,198 million euros as at September 2026, representing growth of 1.6% year-on- year and of 1.1% in the quarter. These variations were affected by repurchase agreements. Not including that impact, funds under management and third-party funds recorded growth of 4.6% compared to the same period of the previous year and of 0.5% compared to the preceding quarter. (€ millions) 30.09.26 YoY (%) QoQ (%) Mortgages 40,716 3.5% 1.3% Consumer loans 5,880 12.7% 4.5% SMEs & Corporates 45,599 -0.4% -0.1% Public sector 11,989 5.2% -4.4% Other lending 2,250 -11.0% -26.1% Total Spain excluding OFEX 106,434 2.1% -0.6% OFEX EMEA 5,150 14.5% 4.0% Miami 7,854 16.6% 1.3% Total Spain including OFEX 119,438 3.4% -0.3% Mexico 5,475 19.0% 0.8% Total 124,913 4.0% -0.2% Change

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Third quarter of 2026 15 Customer deposits, 30.09.2026 (%) (*) (*) Excluding accrual/deferral adjustments and hedging derivatives. Evolution of customer funds (€ million) Customer funds (1) On-balance sheet customer funds as at 30.09.2026 include 110,726 million euros of demand deposits (110,100 million euros as at 30.06.2026 and 107,142 million euros as at 30.09.2025), 22,226 million euros of term deposits excluding multi-seller covered bonds, subordinated deposits and Yankee CD (22,653 million euros as at 30.06.2026 and 20,099 million euros as at 30.09.2025) and 617 million euros of retail issuances (commercial paper), included in Debt and other marketable securities (626 million euros as at 30.06.2026 and 419 million euros as at 30.09.2025). (2) Subordinated liabilities of debt securities. Demand deposits 80% Fixed-term deposits 16% Repos 4% On-balance sheet customer funds Change YoY: 4.6% Change QoQ: 0.1% Total customer funds Change YoY: 5.6% Change QoQ: 0.7% (1) Includes pension funds, third-party insurance products and managed accounts. 127,660 132,037 132,239 133,380 133,569 31,023 31,707 31,464 32,571 33,141 20,647 20,949 21,066 22,154 22,740 179,330 184,692 184,768 188,106 189,449 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 On-balance sheet customer funds Mutual funds Other Off-Balance (1) (€ millions) 30.09.25 30.06.26 30.09.26 Yo Y (%) Qo Q (%) Financial liabilities at amortised cost 179,252 183,639 182,912 2.0 -0.40 Non-retail financial liabilities 51 ,591 50,259 49,344 -4.4 -1 .8 Central banks 0 440 0 -- -1 00.0 Credit institutions 1 3,784 1 8,247 1 8,1 98 32.0 -0.3 Institutional issues 32,426 24,677 25,749 -20.6 4.3 Other financial liabilities 5,381 6,896 5,396 0.3 -21 .8 On-balance sheet customer funds (1 ) 127,660 133,380 133,569 4.6 0.1 Customer deposits 1 38,800 1 37,1 68 1 38,793 0.0 1 .2 Demand deposits (1 ) 1 07,1 42 1 1 0,1 00 1 1 0,726 3.3 0.6 Fixed-term deposits (1 ) 20,1 65 22,769 22,381 1 1 .0 -1 .7 Repos 1 1 ,303 4,1 34 5,51 4 -51 .2 33.4 Accruals and derivative hedging adjustments 1 90 1 65 1 72 -9.5 4.4 Debt and other marketable securities (1 ) 1 7,039 1 7,626 1 7,278 1 .4 -2.0 Subordinated liabilities (2) 4,247 3,263 3,248 -23.5 -0.5 On-balance sheet funds 160,086 158,057 159,318 -0.5 0.8 0 M utual funds 31 ,023 32,571 33,1 41 6.8 1 .7 Dedicated investment companies 784 920 953 21 .5 3.5 Third-party funds 30,238 31 ,651 32,1 88 6.4 1 .7 M anaged accounts 5,538 6,892 7,433 34.2 7.8 Pension funds 3,386 3,537 3,482 2.8 -1 .6 Individual 2,1 69 2,267 2,229 2.8 -1 .7 Company 1 ,21 3 1 ,267 1 ,249 3.0 -1 .4 Group 4 4 4 1 .5 -2.1 Third-party insurance products 1 1 ,723 1 1 ,725 1 1 ,825 0.9 0.9 Off-balance sheet customer funds 51,670 54,726 55,880 8.1 2.1 Funds under management and third-party funds 211,756 212,782 215,198 1.6 1.1 C hange

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Third quarter of 2026 16 Equity: The following table shows the evolution of equity as at the end of September 2026: Equity (€ millions) 30.09.25 30.06.26 30.09.26 Yo Y Qo Q Shareholders' equity 14,654 12,381 12,401 -2,253 20 Issued capital 628 61 1 596 -32 -1 5 Reserves 1 2,987 1 1 ,055 1 0,663 -2,324 -392 Other equity 26 18 18 -8 1 Less: treasury shares -27 -273 -253 -226 20 Attributable net profit 1 ,390 971 1 ,376 -1 4 405 Less: interim dividends -350 0 0 350 0 Accumulated other comprehensive income -576 -244 -424 152 -180 Minority interest 35 38 37 2 -1 Net equity 14,112 12,175 12,013 -2,099 -161 C hange

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Third quarter of 2026 17 Risk management Highlights: Asset quality continues to improve, with the NPL ratio falling to 2.40% and the stage 3 coverage ratio with total provisions increasing to stand at 70.1% as at September 2026. Non-performing assets were reduced by 140 million euros during the quarter, with those classified as stage 3 falling by 92 million euros while problematic real estate assets did so by 48 million euros. Over the past twelve months, the balance of non-performing assets has fallen by 477 million euros, of which 336 million euros correspond to stage 3 loans and 141 million euros correspond to problematic real estate assets. Non-performing asset coverage increased in the quarter to 64.7%. With regard to the breakdown of loans by stages, it should be noted that stage 2 loans represent 3.8% of the total with coverage of 4.7%, while stage 3 loans represent 2.4% of the total with coverage of 53.5%. Risk management: Non-performing assets showed a balance of 3,886 million euros as at the end of September 2026, of which 3,298 million euros correspond to stage 3 loans and 588 million euros correspond to problematic real estate assets. The gross NPA ratio was reduced to 2.8%, while the net NPA ratio fell to 1.0%. NPL ratio (%) (*) Stage 3 coverage ratios with total provisions (%) (*) (*) Calculated including contingent exposures. NPL ratio, by segment (*) (*) Calculated including contingent exposures. 2.75 2.65 2.55 2.47 2.40 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 6 9 . 3 4 6 9 . 4 6 7 0 . 7 4 6 8 . 7 3 7 0 . 1 0 69.34 69.46 70.74 68.73 70.10 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 Sep 25 D ec 25 M ar 26 Jun 26 Sep 26 M ortgages 1 .96% 1 .89% 1 .60% 1 .57% 1 .50% Consumer loans 5.64% 5.1 0% 5.31 % 5.1 0% 5.26% SM Es & Corporates 3.93% 3.69% 3.52% 3.47% 3.31 % Other transactions 1 .29% 1 .52% 1 .72% 1 .61 % 1 .62% NPL ratio 2.75% 2.65% 2.55% 2.47% 2.40%

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Third quarter of 2026 18 Evolution of stage 3 loans (€ million) (*) Evolution of problematic real estate assets (€ million) (*) Evolution of non-performing assets (€ million) (*) Composition of problematic real estate assets (%) (*) Calculated including contingent exposures. The table below shows the evolution of non-performing assets over the last few quarters: Quarterly variation of non-performing assets -9% YoY -19% YoY 3,634 3,491 3,411 3,390 3,298 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 729 684 659 636 588 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 -11% YoY 4,363 4,176 4,070 4,025 3,886 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 Finished buildings 93% Buildings under construction 0.2% Land 7% (€ millions) 3Q25 4Q25 1Q26 2Q26 3Q26 Gross entries 426 509 494 538 290 Recoveries and sales -379 -562 -508 -460 -291 Net stage 3 entries 47 -53 -14 78 -1 Gross entries 14 5 4 6 2 Sales -58 -50 -30 -29 -50 Change in foreclosed RE assets -44 -45 -26 -23 -48 Net stage 3 entries + Change in foreclosed RE assets 3 -98 -40 54 -48 Write-offs -87 -90 -66 -99 -92 NPAs quarterly change -84 -188 -106 -44 -140

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Third quarter of 2026 19 Evolution of non-performing assets (*) (*) Includes contingent exposures. (1) The gross NPA ratio is calculated as gross non-performing assets divided by gross lending excluding reverse repos and guarantees given plus problematic real estate assets, while the net NPA ratio is calculated as net non-performing assets, including all provisions, divided by gross lending excluding reverse repos and guarantees given plus problematic real estate assets. Breakdown of loans and provisions, by stages (€ millions) Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 Stage 3 exposures 3,634 3,491 3,411 3,390 3,298 Total provisions 2,520 2,425 2,413 2,330 2,312 Stage 3 coverage ratio with total provisions (%) 69.3% 69.5% 70.7% 68.7% 70.1% Stage 3 exposures 3,634 3,491 3,411 3,390 3,298 Stage 3 provisions 1,938 1,834 1,862 1,781 1,766 Stage 3 coverage ratio (%) 53.3% 52.5% 54.6% 52.5% 53.5% Foreclosed RE assets 729 684 659 636 588 Provisions 272 251 239 222 204 Foreclosed RE assets coverage ratio (%) 37.3% 36.6% 36.2% 34.9% 34.6% Non-performing assets 4,363 4,176 4,070 4,025 3,886 Provisions 2,791 2,675 2,651 2,552 2,515 Non-performing assets coverage ratio (%) 64.0% 64.1% 65.2% 63.4% 64.7% Gross loans excluding repos + financial guarantees and other guarantees granted + foreclosed RE assets 132,862 132,338 134,430 137,998 137,754 Gross NPA ratio (%) 3.3% 3.2% 3.0% 2.9% 2.8% Net non-performing assets 1,572 1,500 1,418 1,473 1,370 Net NPA ratio (%) 1.2% 1.1% 1.1% 1.1% 1.0% Net NPAs as % of total assets 0.8% 0.8% 0.7% 0.7% 0.7% (€ millions) Stage 1 Stage 2 Stage 3 Gross loans excluding repos and financial guarantees and other guarantees granted 128,719 5,149 3,298 Change QoQ 0.1% -4.4% -2.7% Change YoY 5.2% -15.6% -9.3% Provisions 303 243 1,766 % Stage / Total loans 93.8% 3.8% 2.4% Coverage 0.2% 4.7% 53.5%

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Third quarter of 2026 20 Liquidity management Highlights: Sound liquidity position, with a Liquidity Coverage Ratio (LCR) of 185% as at the end of September 2026 and total liquid assets of 52,199 million euros. The loan-to-deposit ratio as at the end of September 2026 was 92.8%, with a balanced retail funding structure. Banco Sabadell issued 500 million euro of mortgage covered bonds in the first quarter of 2026 and an additional 750 million euros in the third quarter of the year. Furthermore, 201 million euros of senior preferred debt were issued in the second quarter (trade executed by Mexico in Mexican pesos). (1) Excludes reverse repos. Funding structure, 30.09.2026 (%) Wholesale funding breakdown, 30.09.2026 (%) Maturities Note: Debt maturities exclude AT1 issuances and include the early redemption of issuances with a redemption option where these have already been announced. New issuances in the year Maturities in the year (€ millions) 30.09.25 30.06.26 30.09.26 Loans and advances to customers (1) 121,297 126,308 126,066 Brokered loans -1,267 -2,811 -2,076 Adjusted net loans and advances 120,030 123,497 123,990 On-balance sheet customer funds 127,660 133,380 133,569 Loan-to-deposit ratio (%) 94.0 92.6 92.8 Deposits 77% Retail issuances 0% Repos 11% Wholesale funding 12% ECB 0% Other central banks 0% Covered bonds 38% Senior Debt 36% Subordinated Debt 17% Yankee CD 1% Securitisation 8% Outstanding (€ millions) 2026 2027 2028 2029 2030 2031 >2031 balance Covered bonds 390 1 ,1 00 985 950 1 ,250 950 2,000 1 1 ,624 Senior preferred 0 0 750 1 ,471 750 0 0 3,268 Senior non preferred 67 18 500 1 ,500 500 500 1 ,1 95 4,280 Subordinated Debt 0 0 0 0 0 0 1 ,01 5 1 ,51 5 Total 457 1,118 2,235 3,921 2,500 1,450 4,210 15,891 (€ millions) 1Q26 2Q26 3Q26 Covered bonds 500 0 750 Senior preferred 0 201 0 Total 500 201 750 (€ millions) 1Q26 2Q26 3Q26 4Q26 Covered bonds 0 0 1,000 390 Senior preferred 500 0 0 0 Senior non preferred 0 0 0 67 Subordinated Debt 500 0 0 0 Total 1,000 0 1,000 457

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Third quarter of 2026 21 Capital management and credit ratings Highlights: The fully-loaded* CET1 ratio stood at 13.12% as at the end of September 2026. The phase-in CET1 ratio stood at 13.17% as at the end of September 2026, rising by 1 bp in the quarter, with organic capital generation weighed down by the negative impact of fair value reserve adjustment (−13 bps). The Total Capital ratio stood at 18.11%, thus remaining above regulatory requirements with an MDA buffer of 424 bps. The minimum prudential requirements applicable to Banco Sabadell for September 2026 following the Supervisory Review and Evaluation Process (SREP) are 8.92% for CET1 and 13.34% for Total Capital. The phase-in Leverage ratio was 5.92%. The MREL ratio as a percentage of RWAs stood at 28.04%, above the current requirement of 25.38%(1), while the MREL ratio as a percentage of the Leverage Ratio Exposure (LRE) was 10.15%, also above the current requirement of 6.26%. *Applying the regulatory implementation timeline for the output floor. (1) The ratio includes the combined buffer requirement, estimated at 3.24%. Banco Sabadell received the European Central Bank decision regarding the minimum prudential requirements as a result of the supervisory review and evaluation process (SREP) that will apply from 1 January 2027. The requirement for Banco Sabadell at consolidated level is to keep a minimum Common Equity Tier I ratio of 9.24% (CET1 phased-in) and a minimum Total Capital phased-in of 13.61%. These ratios include the minimum Pillar 1 requirement (8.00%, of which CET1 4.50%), the Pillar 2 requirement, that has been reduced by 10bps (2.00% of which CET1 1.125%), the capital conservation buffer (2.50%), the requirement derived from its consideration as "other systemically important institution” (0.25%) and the countercyclical buffer (0.86%). Based on the capital ratios as at the end of September 2026 and taking into account the new regulatory requirements applicable from 1 January 2027, the MDA buffer would stand at 393 bps. Capital ratios Note: Fully-loaded ratio, applying the regulatory implementation timeline for the output floor. As of 30 September 2026, the payout ratio remains at c.60% (excluding the capital gain from the sale of TSB). According to supervisory expectations, regulatory ratios should reflect a deductio n from CET1 corresponding to any excess above the threshold set at any given time for extraordinary capital distributions (defined as a fully-loaded ratio, applying the regulatory implementation timeline for the output floor). (1) Includes transitional arrangements of the CRR III regulation (Basel IV) as from 1 January 2025. (2) “Available Distributable Items” refers to distributable profit. It does not include interim dividends or share premiums. (€ millions) 30.09.25 30.06.26 30.09.26 30.09.25 30.06.26 30.09.26 Issued capital 628 61 1 596 628 61 1 596 Reserves 1 3,566 1 1 ,532 1 1 ,631 1 3,566 1 1 ,532 1 1 ,631 Deductions (1 ) -3,21 1 -2,833 -2,936 -3,206 -2,829 -2,931 Common Equity Tier 1 10,983 9,309 9,291 10,988 9,313 9,295 CET 1 (% ) 13.80% 13.16% 13.17% 13.74% 13.11% 13.12% Preference shares and other 2,750 2,250 2,250 2,750 2,250 2,250 Tier I capital 13,733 11,559 11,541 13,738 11,563 11,545 Tier I (% ) 17.25% 16.34% 16.35% 17.17% 16.28% 16.29% Tier II capital 1,796 1,259 1,242 1,796 1,259 1,242 Tier II (% ) 2.26% 1.78% 1.76% 2.24% 1.77% 1.75% Total capital 15,529 12,818 12,783 15,533 12,823 12,787 Total capital ratio (% ) 19.51% 18.12% 18.11% 19.42% 18.05% 18.05% Risk weighted assets (RWA) 79,608 70,748 70,568 79,989 71,030 70,853 Leverage ratio (% ) 5.64% 5.94% 5.92% 5.64% 5.95% 5.92% CET 1 - BS (non-consolidated basis) (% ) 15.17% 13.98% 13.98% Tier I - BS (non-consolidated basis) (% ) 18.86% 17.30% 17.32% Tier II - BS (non-consolidated basis) (% ) 2.34% 1.85% 1.83% Total capital ratio - BS (non-consolidated basis) (% ) 21.21% 19.14% 19.15% ADIs (2) 4,711 3,597 3,883 F ully-lo adedP hase-in

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Third quarter of 2026 22 Evolution of MREL (% RWAs, % LRE) Credit ratings The Group retained its investment grade rating from all credit rating agencies that assign ratings to it. On 16 December 2025, S&P Global Ratings upgraded the outlook from stable to positive, affirming the issuer’s long- term and short-term credit ratings of ‘A-’ and ‘A-2’, respectively. The upgraded outlook reflected the possibility that S&P Global Ratings could raise Banco Sabadell’s ratings if it manages to build up and sustain a buffer of bail- inable subordinated instruments large enough (i.e. more than 6%) to provide enhanced protection to senior debtholders in a resolution scenario. On 10 June 2026, Moody’s Ratings confirmed the deposit rating of Banco de Sabadell, S.A. at ‘A2’/‘Prime-1’ and that of its senior unsecured debt at ‘Baa1’. The outlook for long- term deposits was upgraded from stable to positive, while the outlook for senior unsecured debt was maintained as stable. The positive outlook for long-term deposits reflects Moody’s expectation that the Bank’s asset quality will continue to improve, with the ratio of Non-Performing Assets (NPAs) declining below 3% over the outlook period. The positive outlook also incorporates broadly stable profitability, with net interest income expected to return to quarterly growth in the second quarter of 2026. On 8 July 2026, Fitch Ratings affirmed Banco Sabadell’s long-term rating at ‘A-’ with a stable outlook. In Fitch’s view, the Bank’s strategy for the 2025-2027 period is being well executed, resulting in a sustainable increase in business volumes and earnings. This is helped by Spain’s economic growth environment and structurally lower loan impairment charges following asset quality improvement. The ratings also consider the Bank’s satisfactory capitalisation. The short-term rating was kept at ‘F2’. On 17 February 2026, Morningstar DBRS confirmed Banco Sabadell’s long-term issuer rating at ‘A (low)’ with a stable trend, reflecting its improved profitability, which benefited from higher interest rates, credit growth, cost control discipline and declining cost of risk. The agency also highlighted the Institution’s strong capitalisation, liquidity and diversified funding structure. The short-term rating remained at ‘R-1 (low)’. 13.17% 3.19% 1.76% 5.94% 3.98% 28.04% Sep 26 % RWA 4.76% 1.15% 0.64% 2.15% 1.44% 10.15% Sep 26 % LRE Senior preferred Senior non preferred Tier 2 AT1 CET 1 Agency Date Long term Short term Outlook S&P Global Ratings (1) 16.12.2025 A- A-2 Positive Moody's Ratings (2) 10.06.2026 Baa1 A2 Stable Fitch Ratings 08.07.2026 A- F2 Stable Morningstar DBRS 17.02.2026 A (low ) R-1 (low ) Stable (1 ) Copyright by Standard & Poor’s, A division of the M cGraw-Hill Companies, Inc. Reproduced with permission of Standard & Poor’s. (2) The short-term rating corresponds to deposits.

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Third quarter of 2026 23 Results, by business unit This section gives information regarding earnings and other indicators of the Group’s business units. The criteria that Banco Sabadell Group uses for its segment reporting are the following: • Two geographical areas: Banking Business Spain and Banking Business Mexico. • Banking Business Spain and Banking Business Mexico are each allocated capital equivalent to 13% of their risk- weighted assets, assigning all deductions corresponding to each business unit, and the surplus of own funds is allocated to Banking Business Spain. In terms of the other criteria applied, segment information is first structured with a breakdown by geographical area and then broken down according to the customers at which each segment is aimed. Segmentation by geographical area and business unit • Banking Business Spain groups together the Retail Banking, Business Banking and Corporate Banking business units, with individuals and businesses managed under the same branch network. • Retail Banking: This business unit offers financial products and services to individuals for personal use. The business is based on a banking model that combines processes typical of a digital bank for interactions that require the autonomy, immediacy and simplicity that only digital channels can offer, with specialised and personalised commercial management for those interactions where expert support is needed, provided through the branch network, both in brick-and-mortar branches and remotely. Among the main products offered, it is worth noting investment and financing products in the short, medium and long term, such as consumer loans, mortgages and leasing/rental services. As for funds, the main products on offer are customer term and demand deposits, savings insurance, mutual funds and pension plans. Additionally, the main services include payment methods such as cards and various kinds of insurance products. • Business Banking: Through its presence both in Spain and internationally in a further three countries, it offers financial products and services to legal entities and individuals engaging in business activities, serving all types of companies with turnover of up to 200 million euros, as well as the institutional sector. The products and services offered to companies are based on short- and long-term funding solutions, solutions to manage cash surpluses, products and services to guarantee the processing of day- to-day payments and collections through any channel and in any geographical area, as well as risk hedging and bancassurance products. Banco Sabadell has a clearly defined relationship model for each business segment, which is innovative and sets it apart from its peers and which allows it to be very close to its customers, acquiring in-depth knowledge of its customer base whilst at the same time offering a level of full engagement. Large enterprises are essentially managed by specialised branches. All other companies, which include SMEs, small businesses and the self-employed, are managed by standard branches. All of these companies have relationship managers who specialise in their respective segments, as well as access to expert advice from product and/or sector specialists. This all enables Banco Sabadell to be a yardstick for all companies, as well as a leader in customer experience. It also includes Private Banking, which offers personalised expert advice, backed by specialised and high-value product capabilities for our customers. • Corporate Banking: Through its presence in Spain and in a further six countries, it offers financial and advisory solutions to large Spanish and international corporations and financial institutions. It structures its activity around two pillars, the first of which is the customer. It aims to serve its customers who are natural persons to meet the full range of their financial needs. This pillar is determined by the nature of those customers and includes large corporations classed under the Corporate Banking umbrella, financial institutions, Private Banking clients in the USA and the venture capital business carried out through BSCapital. The second pillar is Specialised Business, which encompasses the activities of Structured Finance, Treasury, Investment Banking, and Trading, Custody and Research. Its goal is to advise, design and execute custom operations that anticipate the specific financial needs of its customers, be they companies or individuals, with its scope of activity ranging from large corporations to smaller companies and customers, insofar as its solutions are the best way to meet their increasingly complex financial needs. • Banking Business Mexico: Offers banking and financial services for Corporate Banking, Commercial Banking and Retail Banking in Mexico. It is important to note that, during the first four months of the financial year, the Group benefitted from contributions from its banking business in the United Kingdom through its franchise TSB, which encompassed the activity carried out in that market, including current and savings accounts, revolving loans, credit cards and mortgages. The net contribution from this business is presented in aggregate under a single specific line item on the income statement. The information presented is based on the standalone accounting records of each Group company, after all consolidation disposals and adjustments have been made. Note that all reported information relates to management reporting information. Each business unit bears its own direct costs, calculated on the basis of general accounting records.

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Third quarter of 2026 24 Profit and loss 9M26 (€ millions) Banking business Spain Banking Business Mexico Total Net interest income 2,536 158 2,694 Net fees and commissions 959 24 983 Core revenues 3,495 182 3,677 Net trading income and exchange differences 39 7 46 Income from equity method and dividends 105 0 105 Other operating income/expense -29 -22 -51 Gross operating income 3,610 167 3,777 Operating expenses -1,425 -68 -1,492 Amortisation & depreciation -292 -12 -304 Total costs -1,717 -80 -1,797 Memorandum item: Recurrent costs -1,629 -80 -1,709 Non-recurrent costs -88 0 -88 Pre-provisions income 1,893 88 1,981 Total provisions & impairments -402 -16 -418 Gains on sale of assets and other results 277 0 277 Profit before tax 1,768 72 1,840 Income tax -520 -19 -539 Minority interest 3 0 3 Net profit 1,245 52 1,297 TSB net contribution 0 0 79 Net profit including TSB 1,245 52 1,376 ROTE 15.9% 9.8% 15.5% Efficiency (includes non-recurrent costs) 47.6% 47.6% 47.6% NPL ratio 2.4% 2.6% 2.4% Stage 3 coverage ratio w ith total provisions 70.4% 63.5% 70.1% Profit and loss 9M25 (€ millions) Banking business Spain Banking Business Mexico Total Net interest income 2,568 141 2,709 Net fees and commissions 945 17 962 Core revenues 3,513 159 3,672 Net trading income and exchange differences -15 0 -15 Income from equity method and dividends 136 0 136 Other operating income/expense -34 -20 -54 Gross operating income 3,600 138 3,738 Operating expenses -1,318 -63 -1,381 Amortisation & depreciation -255 -11 -265 Total costs -1,573 -73 -1,646 Pre-provisions income 2,027 65 2,092 Total provisions & impairments -366 -1 -367 Gains on sale of assets and other results -13 -3 -17 Profit before tax 1,648 60 1,708 Income tax -549 -10 -559 Minority interest 1 0 1 Net profit 1,098 50 1,148 TSB net contribution 0 0 242 Net profit including TSB 1,098 50 1,390 ROTE 15.2% 10.6% 15.0% Efficiency 43.7% 53.0% 44.0% NPL ratio 2.8% 1.9% 2.8% Stage 3 coverage ratio w ith total provisions 69.3% 70.8% 69.3% Balance sheet Sep 26 (€ millions) Banking business Spain Banking Business Mexico Total Total assets 191,732 7,526 199,258 Gross performing loans 119,438 5,475 124,913 Problematic RE exposure 384 0 384 Total liabilities and net equity 191,732 7,526 199,258 On-balance sheet customer funds 130,328 3,241 133,569 Capital markets w holesale funding 19,910 0 19,910 Allocated equity 11,638 763 12,401 Off-balance sheet customer funds 55,880 0 55,880 Balance sheet Sep 25 (€ millions) Banking business Spain Banking Business Mexico Banking business United Kingdom Total Total assets 185,879 6,561 52,088 244,529 Gross performing loans 115,500 4,603 40,967 161,070 Problematic RE exposure 457 0 0 457 Total liabilities and net equity 185,879 6,561 52,088 244,529 On-balance sheet customer funds 124,396 3,264 40,119 167,780 Capital markets w holesale funding 19,439 0 6,171 25,610 Allocated equity 11,475 757 2,422 14,654 Off-balance sheet customer funds 51,670 0 0 51,670

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Third quarter of 2026 25 Banking Business Spain Net profit as at the end of September 2026 amounted to 1,245 million euros, increasing by 13.4% year-on-year. Not including the extraordinary impacts booked and disclosed in the first half of the year, net profit showed a year-on-year reduction of 4.9%. Net interest income amounted to 2,536 million euros as at the end of September 2026, representing a year-on-year reduction of 1.3%, as a result of the impact of changing interest rates on asset performance, which neutralised the positive effect of volume growth. Net fees and commissions stood at 959 million euros, 1.5% more than at the end of the previous September, mainly explained by the larger contribution of asset management and insurance fees. Profit or loss on financial operations and exchange differences showed growth driven by higher earnings on derivatives and by the larger contribution from BSCapital. Equity-accounted income and dividends recorded a year-on- year reduction, mainly due to the reduced contribution from the insurance business, which was affected by market volatility. Total costs include −88 million euros of non-recurrent costs derived from efficiency initiatives related to early retirements recognised during the first six months of the year. Recurrent costs increased by 3.6% year-on-year, where it is particularly worth mentioning the increase in depreciation and amortisation, impacted by the reclassification out of the provisions line item of expenses associated with assets in the payments business (Paycomet) during the fourth quarter of 2025 after its sale did not go ahead. Excluding this impact, recurrent costs rose by 2.4% year-on-year. The Gains on sale of assets and other results item mainly includes 331 million euros gross related to the sale of TSB and −45 million euros gross/net related to the sale of a shareholding. Gross performing loans were up by 3.4% year-on-year, with growth across all segments. On-balance sheet customer funds increased by 4.8% year- on-year. Off-balance sheet funds grew by 8.1%, and here it is particularly worth mentioning the good performance of mutual funds, which were supported by a positive flow of net subscriptions, and the positive trend followed by asset management activity. (€ millions) 9M25 9M26 YoY (%) 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Net interest income 2,568 2,536 -1.3 857 862 850 843 825 848 863 Net fees and commissions 945 959 1.5 318 318 309 322 308 320 330 Core revenues 3,513 3,495 -0.5 1,175 1,180 1,158 1,166 1,133 1,169 1,193 Net trading income and exchange differences -15 39 -- 25 -11 -29 -7 -3 16 26 Income from equity method and dividends 136 105 -22.6 61 41 34 45 24 41 40 Other operating income/expense -34 -29 -15.7 -23 -6 -5 -48 -10 -12 -6 Gross operating income 3,600 3,610 0.3 1,238 1,204 1,158 1,156 1,144 1,214 1,252 Operating expenses -1,318 -1,425 8.1 -444 -426 -448 -466 -501 -478 -445 Amortisation & depreciation -255 -292 14.9 -82 -85 -87 -116 -96 -98 -98 Total costs -1,573 -1,717 9.2 -526 -512 -535 -581 -597 -577 -543 Memorandum item: Recurrent costs -1,573 -1,629 3.6 -526 -512 -535 -581 -543 -544 -543 Non-recurrent costs 0 -88 -- 0 0 0 0 -55 -33 0 Pre-provisions income 2,027 1,893 -6.6 712 692 622 575 546 637 709 Total provisions & impairments -366 -402 9.8 -129 -112 -124 -107 -130 -149 -123 Gains on sale of assets and other results -13 277 -- -12 -1 -1 -20 0 280 -3 Profit before tax 1,648 1,768 7.3 572 579 497 447 416 768 584 Income tax -549 -520 -5.2 -196 -186 -166 -151 -147 -177 -196 Minority interest 1 3 185.0 0 1 0 1 2 1 0 Net profit 1,098 1,245 13.4 375 392 331 296 267 590 388 Accumulated ratios ROTE 15.2% 15.9% 15.3% 15.5% 15.2% 14.4% 13.6% 15.3% 15.9% Efficiency (includes non-recurrent costs) 43.7% 47.6% 42.5% 42.5% 43.7% 45.3% 52.2% 49.8% 47.6% NPL ratio 2.8% 2.4% 3.1% 2.8% 2.8% 2.7% 2.6% 2.5% 2.4% Stage 3 coverage ratio w ith total provisions 69.3% 70.4% 67.3% 68.8% 69.3% 69.9% 71.2% 69.2% 70.4% Simple evolution (€ millions) Sep 25 Sep 26 YoY (%) Mar 25 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 Total assets 185,879 191,732 3.1 188,073 192,914 185,879 186,300 189,606 191,720 191,732 Gross performing loans 115,500 119,438 3.4 110,768 114,396 115,500 114,669 116,298 119,753 119,438 Problematic RE exposure 457 384 -16.0 484 467 457 434 420 413 384 Total liabilities and net equity 185,879 191,732 3.1 188,073 192,914 185,879 186,300 189,606 191,720 191,732 On-balance sheet customer funds 124,396 130,328 4.8 123,602 124,356 124,396 128,598 129,052 130,021 130,328 Capital markets w holesale funding 19,439 19,910 2.4 20,481 21,039 19,439 19,531 18,522 20,216 19,910 Allocated equity 11,475 11,638 1.4 11,952 11,734 11,475 11,375 11,345 11,587 11,638 Off-balance sheet customer funds 51,670 55,880 8.1 47,591 49,318 51,670 52,656 52,529 54,726 55,880 Other data Employees 13,660 13,256 13,594 13,638 13,660 13,617 13,450 13,348 13,256 Branches 1,151 1,071 1,153 1,153 1,151 1,149 1,150 1,104 1,071 Simple evolution

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Third quarter of 2026 26 Banking Business Mexico Net profit amounted to 52 million euros as at September 2026, representing year-on-year growth of 4.3%, benefitting from the appreciation of the Mexican peso. At a constant exchange rate, this item was down 3.4% as a result of the increase in provisions, which neutralised the good performance of net interest income and fees & commissions. As for net interest income, this came to 158 million euros, growing by 3.8% year-on-year at a constant exchange rate, mainly driven by the increase in credit volumes and the lower cost of funds. Net fees and commissions amounted to 24 million euros as at the end of September 2026, representing year-on-year growth of 28.3% at constant exchange rates due to the higher levels of activity recorded by the business. Total costs came to −80 million euros, representing a year- on-year increase of 0.7% at constant exchange rates, mainly as a result of higher general expenses. Provisions and impairments recorded a year-on-year increase, as the previous year included releases associated with single-name borrowers. Gross performing loans were up 14.4% year-on-year at constant exchange rates. On-balance sheet customer funds showed a reduction of 4.8% at constant exchange rates. Note: The cumulative EUR/MXN exchange rate as at 30.09.2026 applied to the income statement is 20.206 (the one applied as at 30.09.2025 was 21.804). In the case of the balance sheet, the exchange rate applied is 20.581 (the one applied as at 30.09.2025 was 21.531) for the Mexican peso. The EUR/USD exchange rate applied to the balance sheet is 1.135 as at 30.09.2026 (1.174 as at 30.09.2025). YoY (%) (€ millions) 9M25 9M26 YoY (%) 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Net interest income 141 158 12.0 3.8 47 44 50 52 47 54 57 Net fees and commissions 17 24 38.4 28.3 4 8 5 10 7 7 10 Core revenues 159 182 14.9 6.4 51 53 55 62 54 61 67 Net trading income and exchange differences 0 7 -- -- 0 2 -2 3 4 0 3 Income from equity method and dividends 0 0 -- -- 0 0 0 0 0 0 0 Other operating income/expense -20 -22 9.6 1.6 -7 -7 -7 -7 -7 -7 -7 Gross operating income 138 167 20.9 12.0 45 48 46 57 52 53 62 Operating expenses -63 -68 8.3 0.4 -20 -20 -22 -20 -22 -23 -23 Amortisation & depreciation -11 -12 10.5 2.4 -4 -4 -4 -3 -4 -4 -4 Total costs -73 -80 8.6 0.7 -24 -24 -26 -24 -26 -27 -27 Pre-provisions income 65 88 34.7 24.8 21 24 21 33 25 27 35 Total provisions & impairments -1 -16 -- -- 2 -2 -1 -17 -3 -3 -9 Gains on sale of assets and other results -3 0 -100.0 -100.0 0 0 -3 0 0 0 0 Profit before tax 60 72 18.4 9.7 22 22 16 16 22 24 26 Income tax -10 -19 85.7 72.1 -3 -4 -3 -2 -5 -6 -9 Minority interest 0 0 -- -- 0 0 0 0 0 0 0 Net profit 50 52 4.3 -3.4 19 18 13 14 17 18 17 Accumulated ratios ROTE 10.6% 9.8% 11.0% 11.2% 10.6% 10.0% 9.2% 9.1% 9.8% Efficiency 53.0% 47.6% 53.8% 51.9% 53.0% 49.8% 50.6% 50.3% 47.6% NPL ratio 1.9% 2.6% 2.4% 2.2% 1.9% 2.7% 2.5% 2.6% 2.6% Stage 3 coverage ratio w ith total provisions 70.8% 63.5% 61.6% 66.4% 70.8% 59.8% 60.9% 59.2% 63.5% at constant FX Simple evolution YoY (%) Sep 25 Sep 26 YoY (%) Mar 25 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 Total assets 6,561 7,526 14.7 10.2 6,558 6,329 6,561 7,208 7,230 7,364 7,526 Gross performing loans 4,603 5,475 19.0 14.4 4,358 4,314 4,603 4,946 5,288 5,431 5,475 Total liabilities and net equity 6,561 7,526 14.7 10.2 6,558 6,329 6,561 7,208 7,230 7,364 7,526 On-balance sheet customer funds 3,264 3,241 -0.7 -4.8 3,244 3,048 3,264 3,439 3,186 3,359 3,241 Allocated equity 757 763 0.7 -3.7 717 771 757 768 793 794 763 Other data Employees 508 493 513 501 508 500 493 494 493 Branches 12 12 12 12 12 12 12 12 12 (€ millions) at constant FX Simple evolution

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Third quarter of 2026 27 4. Share price performance (1) Total number of shares minus final treasury stock position (including shares in the buyback programme, where applicable). (2) According to data from Bolsas y Mercados Españoles (Spanish stock market operator). (3) Historical values not adjusted. Comparative evolution of SAB share price (*) Period from 30.09.2025 to 30.09.2026 Comparative evolution of SAB share price dividend- adjusted Period from 30.09.2025 to 30.09.2026 (1) STOXX Europe 600 Banks (*) On 29.05.2026 an extraordinary cash dividend of 50 euro cents (gross) per share was distributed in connection with the sale of TSB. (1) STOXX Europe 600 Banks Shares and trading Number of outstanding shares minus the treasury shares (millions) (1 ) 4,997 4,781 4,681 Average daily trading volume (€ millions) (2 ) 44 63 62 Share price (€ ) (3 ) Opening session (of the year) 1.877 3.365 3.365 High (of the year) 3.482 3.520 3.770 Low (of the year) 1.795 2.788 2.788 Closing session 3.300 3.099 3.652 Market capitalisation (€ millions) 16,491 14,816 17,096 Stock market multiples Earnings per share (EPS) (€ ) 0.34 0.32 0.33 Book value (€ million ) 14,654 12,381 12,401 Book value per share (€ ) 2.93 2.59 2.65 Tangible book value (€ million ) 12,094 9,976 9,993 TBV per share (€ ) 2.42 2.09 2.13 Price / TBV (times) 1.36 1.49 1.71 Price-to-earnings ratio 9.84 9.62 11.18 30.09.25 30.06.26 30.09.26 09/25 11/25 01/26 03/26 05/26 07/26 09/26 SAB IBEX 35 Europe Banks (1) STOXX Europe 50 09/25 11/25 01/26 03/26 05/26 07/26 09/26 SAB IBEX 35 Europe Banks (1) STOXX Europe 50

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Third quarter of 2026 28 5. Key developments Further to the Inside Information notice dated 1 July 2025 (official registry number 2805) and the disclosure of Other Relevant Information dated 6 August 2025 (official registry number 36328), Banco Sabadell informed that, having obtained the required regulatory approvals, on 30 April 2026 it had transferred 100% of the share capital of TSB Banking Group plc (TSB) to Santander UK plc for total consideration of 2,863 million pounds sterling (the Transaction). The consideration corresponded to a price of 2,650 million pounds sterling, adjusted upwards by 213 million pounds as a result of the positive variation in TSB’s tangible net asset value between 1 April 2025 and 30 April 2026, as had been agreed. The Transaction also entailed the transfer to Santander UK plc of other equity instruments and securities, not yet matured, issued by TSB and held by Banco Sabadell, for an aggregate amount of 1,217 million pounds sterling. The Transaction resulted in a capital gain of 322 million euros net for Banco Sabadell, after considering all impacts arising therefrom, as well as capital generation exceeding 400 basis points in the fully-loaded Common Equity Tier 1 (CET1) ratio. Of this amount, 369 basis points will be recognised in the current financial year, while 36 basis points, associated with a reduction in operational risk-weighted assets, will be recognised between 2027 and 2028. Accordingly, and in furtherance of the resolution adopted at the Extraordinary General Meeting held on 6 August 2025, Banco Sabadell distributed, on 29 May 2026, an extraordinary cash dividend of 50 euro cents (gross) per share, charged against unrestricted voluntary reserves. The distribution of this extraordinary dividend had an impact of 378 basis points on Banco Sabadell’s Common Equity Tier 1 (CET1) capital ratio. In accordance with the accounting standards applicable to the Group, the transactions carried out by TSB and its subsidiary undertakings, which comprised almost all of the Banking Business UK segment, were considered discontinued operations from 1 July 2025 until the date of their sale. Consequently: • In the Group’s profit and loss account used for statutory reporting, the results associated with TSB and its subsidiary undertakings are shown in a single row, under the heading “results of discontinued operations” for the financial year 2025. This means that the income and expenses linked to these results are excluded, line by line, from the breakdown of continuing operations for both periods. • In the Group’s consolidated balance sheet, the assets and liabilities related to the sale of TSB and its subsidiary undertakings are grouped under the line items “non-current assets and disposal groups classified as held for sale” and “liabilities included in disposal groups classified as held for sale”. This classification applies exclusively to the balance sheets subsequent to 1 July 2025, without affecting prior balance sheets. However: For the purposes of preparing management information, the results of TSB and its subsidiaries are recognised applying the same disaggregation criteria as in previous periods, as, until completion of the transaction, TSB continued to be managed under the same operating model in place prior to the announcement of the sale. However, in the management income statement presented in this report, the net contribution from TSB and its subsidiaries is presented on an aggregated basis under a single line item.

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Third quarter of 2026 29 6. Reconciliation and glossary of terms on performance measures Reconciliation of Group data used for statutory reporting The Group’s income statement and balance sheet used for statutory reporting are set out below, together with the reconciliation between the income statement used for statutory reporting and the P&L account used for management reporting, which is the one shown throughout this report. The main differences concern: - The treatment of the results generated by TSB and its subsidiary undertakings following the sale agreement reached by shareholders at the Extraordinary General Meeting of 6 August 2025. In other words, in the income statement used for management reporting, the results of TSB and its subsidiary undertakings have been recorded in disaggregated form and heading by heading, just as they had been in previous quarterly reports, although its net contribution is shown in a single line of the income statement, whereas in the income statement used for statutory reporting, as per applicable accounting standards, they are disclosed under the single heading “results of discontinued operations”. It should be noted that the income statement used for statutory reporting in previous periods has been restated for the purpose of comparison. In addition, in the Group’s consolidated balance sheet used for statutory reporting, the assets and liabilities related to the sale of TSB and its subsidiary undertakings are grouped under the line items “non-current assets and disposal groups classified as held for sale” and “liabilities included in disposal groups classified as held for sale”. This classification applies exclusively to the balance sheets subsequent to 1 July 2025, without affecting prior balance sheets. - After the termination, in October 2025, of the agreement signed with Nexi S.p.A. (which included the sale of the subsidiary Paycomet), the Group, in accordance with applicable accounting standards, ceased to classify the assets and liabilities of that subsidiary as non-current assets held for sale. Consequently, it once again applied the accounting policies and measurement criteria in effect prior to signing the agreement. The biggest change was the reclassification of the depreciation/amortisation expenses on Paycomet’s assets (mainly PoS terminals) from the heading “Other provisions and impairments” to “Costs”. For statutory reporting purposes, the comparative information for 2025 has been restated, whereas for management reporting, the figures from previous periods have not been restated. Cumulative income statement used for statutory reporting (€ millions) 9M25 9M26 YoY (%) Net interest income 2,656 2,671 0.6 Net fees and commissions 962 983 2.1 Core revenues 3,619 3,654 1.0 Net trading income and exchange differences -3 38 -- Income from equity method and dividends 136 105 -22.6 Other operating income/expense -54 -51 -6.3 Gross operating income 3,698 3,747 1.3 Operating expenses -1,385 -1,492 7.7 Amortisation & depreciation -308 -316 2.5 Total costs -1,693 -1,808 6.8 Pre-provisions income 2,004 1,939 -3.3 Provisions for NPLs -296 -385 30.0 Provisions for other financial assets -24 -41 69.6 Other impairments -28 8 -- Gains on sale of assets and other results -17 -133 -- Profit before tax 1,639 1,388 -15.3 Income tax -534 -515 -3.6 Results from ongoing activities 1,105 873 -21.0 Result of discontinued activities 286 506 77.1 Minority interest 1 3 185.0 Net profit including TSB 1,390 1,376 --

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Third quarter of 2026 30 Quarterly income statement used for statutory reporting Income statement reconciliation (statutory vs management reporting) - 2026, cumulative (€ millions) 3Q25 4Q25 1Q26 2Q26 3Q26 QoQ (% ) Net interest income 883 880 855 896 920 2.6 Net fees and commissions 31 4 332 31 5 328 340 3.7 Core revenues 1,196 1,212 1,170 1,224 1,260 2.9 Net trading income and exchange differences -27 -4 -1 10 29 1 85.5 Income from equity method and dividends 34 45 24 41 40 -3.9 Other operating income/expense -1 1 -56 -1 7 -20 -1 4 -30.3 Gross operating income 1,192 1,199 1,176 1,256 1,315 4.7 Operating expenses -471 -482 -523 -501 -468 -6.6 Amortisation & depreciation -1 06 -1 1 3 -1 09 -1 05 -1 02 -2.6 Total costs -577 -595 -632 -606 -570 -5.9 Pre-provisions income 615 604 544 650 745 14.6 Provisions for NPLs -1 1 7 -1 30 -1 20 -1 37 -1 27 -7.2 Provisions for other financial assets -3 -1 4 -1 8 -1 5 -7 -50.6 Other impairments 0 2 5 0 2 -- Gains on sale of assets and other results -4 -20 0 -1 30 -3 -97.9 Profit before tax 490 441 410 368 610 65.8 Income tax -1 61 -1 51 -1 44 -1 66 -204 22.8 Results from ongoing activities 330 289 266 202 405 101.2 Result of discontinued activities 85 97 83 424 0 -1 00.0 M inority interest 0 1 2 1 0 -1 00.0 Net profit including TSB 414 386 347 624 405 -- (€ millions) Net interest income 2,671 436 3,108 Net fees and commissions 983 26 1,008 Core revenues 3,654 462 4,116 Net trading income and exchange differences 38 15 53 Income from equity method and dividends 105 0 105 Other operating income/expense -51 -32 -83 Gross operating income 3,747 444 4,191 Operating expenses -1,492 -242 -1,734 Amortisation & depreciation -316 -28 -344 Total costs -1,808 -270 -2,078 Pre-provisions income 1,939 174 2,113 Provisions for NPLs -385 -24 -409 Provisions for other financial assets -41 0 -41 Other impairments 8 0 8 Gains on sale of assets and other results -133 410 277 Profit before tax 1,388 560 1,947 Income tax -515 -53 -568 Results from ongoing activities 873 506 1,379 Result of discontinued activities 506 -506 0 Minority interest 3 0 3 Net profit including TSB 1,376 0 1,376 9M26 Adjustments related to the sale of TSBStatutory reporting Management reporting

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Third quarter of 2026 31 Income statement reconciliation (statutory vs management reporting) - 2025, cumulative Balance sheet used for statutory reporting (€ millions) Net interest income 2,656 971 0 3,628 Net fees and commissions 962 69 0 1,032 Core revenues 3,619 1,040 0 4,659 Net trading income and exchange differences -3 5 0 2 Income from equity method and dividends 136 0 0 136 Other operating income/expense -54 -3 0 -57 Gross operating income 3,698 1,043 0 4,740 Operating expenses -1,385 -549 4 -1,930 Amortisation & depreciation -308 -59 14 -352 Total costs -1,693 -607 18 -2,282 Pre-provisions income 2,004 435 18 2,458 Provisions for NPLs -296 -38 0 -334 Provisions for other financial assets -24 1 0 -23 Other impairments -28 0 -18 -47 Gains on sale of assets and other results -17 1 0 -16 Profit before tax 1,639 399 0 2,038 Income tax -534 -113 0 -647 Results from ongoing activities 1,105 286 0 1,391 Result of discontinued activities 286 -286 0 0 Minority interest 1 0 0 1 Net profit including TSB 1,390 0 0 1,390 9M25 Statutory reporting Adjustments related to the sale of TSB Management reporting Adjustments related to Paycomet (€ millions) 30.09.25 30.06.26 30.09.26 Yo Y (%) Qo Q (%) Cash, cash balances at central banks and other demand deposits 1 5,628 5,460 5,239 -66.5 -4.0 Financial assets held for trading and fair value with changes in PL 2,849 5,701 5,1 81 81 .8 -9.1 Financial assets in fair value OCI 6,1 45 5,766 5,924 -3.6 2.7 Financial assets at amortised cost 1 55,622 1 70,629 1 71 ,346 1 0.1 0.4 Loans and advances to customers 1 21 ,301 1 26,308 1 26,1 21 4.0 -0.1 Loans and advances of central banks and credit institutions 8,646 1 5,058 1 5,570 80.1 3.4 Debt securities 25,675 29,264 29,655 1 5.5 1 .3 Investments in subsidiaries, joint ventures and associates 489 468 486 -0.7 3.9 Tangible assets 1 ,792 1 ,671 1 ,655 -7.6 -0.9 Intangible assets 2,41 8 2,406 2,408 -0.4 0.1 Non-current assets and disposal groups classified as held for sale 52,691 41 4 382 -99.3 -7.9 Other assets 6,894 6,569 6,637 -3.7 1 .0 Total assets 244,529 199,084 199,258 -18.5 0.1 Financial liabilities held for trading and fair value with changes in PL 1 ,363 1 ,81 5 2,694 97.7 48.4 Financial liabilities at amortised cost 1 78,01 4 1 83,639 1 82,91 2 2.8 -0.4 Central banks 0 440 0 -- -1 00.0 Credit institutions 1 3,784 1 8,247 1 8,1 98 32.0 -0.3 Customer deposits 1 38,825 1 37,1 68 1 38,793 0.0 1 .2 Debt securities issued 20,01 7 20,889 20,525 2.5 -1 .7 Other financial liabilities 5,387 6,896 5,396 0.2 -21 .8 Provisions 394 346 327 -1 7.1 -5.6 Liabilities included in disposal groups classified as held for sale 49,328 0 0 -1 00.0 -- Other liabilities 1 ,31 8 1 ,1 09 1 ,31 2 -0.5 1 8.3 Subtotal liabilities 230,417 186,909 187,245 -18.7 0.2 Shareholders' equity 1 4,654 1 2,381 1 2,401 -1 5.4 0.2 Accumulated other comprehensive income -576 -244 -424 -26.4 73.8 M inority interest 35 38 37 6.3 -2.6 Net equity 14,112 12,175 12,013 -14.9 -1.3 Total liabilities and net equity 244,529 199,084 199,258 -18.5 0.1 Financial guarantees granted 1 ,836 1 ,896 1 ,956 6.5 3.2 Commitments for loans granted 26,807 21 ,939 21 ,91 3 -1 8.3 -0.1 Other commitments granted 7,804 8,587 9,862 26.4 1 4.8 C hange

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Third quarter of 2026 32 Alternative Performance Measures (APMs) In the presentation of its results to the market, and for the purpose of monitoring the business and decision-making processes, the Group uses performance indicators pursuant to the generally accepted accounting regulations (EU-IFRS), and also uses other unaudited measures commonly used in the banking industry (Alternative Performance Measures, or APMs) as indicators to monitor the management of the Group’s assets and liabilities, as well as its financial and economic situation, which facilitates its comparison with other institutions. Following the ESMA guidelines on APMs (ESMA/2015/1415 of October 2015), the purpose of which is to promote the use and transparency of information for the protection of investors in the European Union, the Group presents below, for each APM, the reconciliation with items shown in the financial statements (in each section of the report) as well as its definition and calculation. (*) Arithmetic mean calculated as the sum of daily balances during the reference period divided by the number of days in that period. (**) Data excluding TSB contribution. Definition and calculation Page ROA Consolidated income during the year (last 12 months) / ATA (last 12 months). 5 ROE Profit attributed to the Group (last 12 months) / shareholders' average equity (last 12 months). 5 RORWA Consolidated income during the year (last 12 months) / average risk-weighted assets (RWA) (last 12 months). 5 ROTE Profit attributed to the Group (last 12 months) / shareholders' average equity (last 12 months). The denominator excludes intangible assets and the goodwill of the investees. 5 Efficiency ratio (includes non-recurrent costs) (**) Administrative expenses and amortisation & depreciation / gross income. 5 Customer spread (*) (**) Difference between return and cost of assets and liabilities related to customers. The ratio has been calculated taking into account the difference between the average rate charged by the bank for customer loans and the average rate paid by the bank for the customer deposits. The average customer loans rate is the annualised ratio between the financial income from customer loans and the average daily balance of customer loans. The average rate of customer funds is the annualised ratio between the financial expenses on customer funds and the average daily balance of customer funds. 9 Credit cost of risk (bps) (**) Calculated using the ratio where the numerator considers the last 12 months of provisions for NPLs adjusting for the costs associated with the management of stage 3 assets and the denominator includes the average of the last 12 months of: i) gross loans to customers, excluding repos, and stage 3 exposures to credit institutions and ii) financial guarantees and other guarantees granted. 12 Total cost of risk (bps) (**) Calculated using the ratio where the numerator includes the last 12 months of total provisions & impairments and the denominator includes the average of the last 12 months of: i) gross loans to customers, excluding repos, and stage 3 exposures to credit institutions, ii) financial guarantees and other guarantees granted and iii) problematic RE Assets. 12 Stage 3 coverage ratio with total provisions (**) Shows the % of stage 3 exposures covered by total provisions. Calculated as the sum of impairment allowances on balance sheet assets and provisions recorded under balance sheet liabilities associated with off-balance sheet exposures, divided by total stage 3 exposures. 17 NPL ratio (**) Calculated using the ratio where the numerator includes stage 3 exposures and the denominator includes: i) gross loans to customers, excluding repos, and stage 3 exposures to credit institutions and ii) financial guarantees and other guarantees granted. 17 Non-performing assets (**) Problematic assets comprise stage 3 exposures and problematic real estate assets. 18 Loan-to-deposit ratio (**) Loans and advances to customers excluding repos and brokered loans divided by on-balance sheet customer funds. The denominator consists of financial liabilities at amortised cost, excluding non-retail financial liabilities, such as central bank deposits, credit institution deposits, institutional issuances and other financial liabilities. 20 Earnings per share Ratio between net profit attributed to the Group, adjusted by the Additional Tier I coupon payment registered in equity, for the last 12 months and the average number of outstanding shares in the last 12 months (average number of total shares minus the average of treasury shares, including the buyback programme, if applicable). 27 Book value per share Ratio between book value / number of outstanding shares (total number of shares minus the final position of treasury shares, including the buyback programme, if applicable) at the end of the period. Book value refers to equity. 27 TBV per share Ratio between tangible book value and the number of outstanding shares (total number of shares minus the final position of treasury shares, including the buyback programme, if applicable) at the end of the period. The tangible book value is calculated as the sum of equity adjusted by intangible assets and the goodwill of the investees. 27 Price / TBV (times) Ratio between share price / tangible book value per share. 27 Price-to-earnings ratio Ratio between share price / earnings per share. 27

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Third quarter of 2026 33 (*) Customer margin calculated using cumulative data. See list, definition and purpose of the APMs used by Banco Sabadell Group here: www.grupbancsabadell.com / ACCIONISTAS_E_INVERSORES / INFORMACION_ECONOMICO_FINANCIERA / MEDIDAS_ALTERNATIVAS_DEL_RENDIMIENTO A lternative P erfo rmance measures C o nciliatio n (€ millio ns) 9M 25 9M 26 Consolidated net profit (last 1 2 months) 1 ,876 1 ,766 Average total assets (last 1 2 months) 246,220 227,049 R OA (%) 0.8 0.8 Attributable net profit (last 1 2 months) 1 ,874 1 ,762 Average equity (last 1 2 months) 1 5,01 3 1 3,871 R OE (%) 12.5 12.7 Consolidated net profit (last 1 2 months) 1 ,876 1 ,766 Average risk weighted assets (RWA) (last 1 2 months) 79,528 75,671 R OR WA (%) 2.4 2.33 Attributable net profit (last 1 2 months) 1 ,874 1 ,762 Average equity, excluding intangible assets (last 1 2 months) 1 2,497 1 1 ,357 R OT E (%) 15.0 15.5 Total costs -1 ,646 -1 ,797 Gross operating income 3,738 3,777 Efficiency ratio (%) 44.0 47.6 Loans to customers (net) Results 3,367 3,329 Avge. balance 1 1 6,01 0 1 21 ,81 8 Annualised average rate % 3.88 3.65 Customer deposits Results -832 -795 Avge. balance 1 26,302 1 33,1 95 Annualised average rate % -0.88 -0.80 C usto mer spread 3.00 2.85 Provisions for NPLs (last 1 2 months) -381 -51 4 NPLs costs (last 1 2 months) -1 1 4 -93 Credit cost of risk (bps) Gross loans excluding repos (last 1 2 months) 1 1 9,057 1 24,987 Financial guarantees and other guarantees granted (last 1 2 months) 8,574 8,651 C redit co st o f risk (bps) 21 32 Total provisions & impairments (last 1 2 months) -524 -542 Gross loans excluding repos (last 1 2 months) 1 1 9,057 1 24,987 Financial guarantees and other guarantees granted (last 1 2 months) 8,574 8,651 Problematic RE assets (last 1 2 months) 804 660 T o tal co st o f risk (bps) 41 40 Total provisions 2,520 2,31 2 Stage 3 exposures 3,634 3,298 Stage 3 co verage ratio with to tal pro visio ns (%) 69.3% 70.1% Stage 3 exposures 3,634 3,298 Gross loans excluding repos 1 23,670 1 28,350 Financial guarantees and other guarantees granted 8,463 8,81 6 N P L ratio (%) 2.75% 2.40% Stage 3 exposures 3,634 3,298 Non-performing assets Foreclosed RE assets 729 588 N o n-perfo rming assets 4,363 3,886 Loans and advances to customers ex repos adjusted by brokered loans 1 20,030 1 23,990 On-balance sheet customer funds 1 27,660 1 33,569 Lo an-to -depo sit ratio (%) 94.0% 92.8% Net profit attributed to the Group adjusted 1 ,759 1 ,598 Attributable net profit (last 1 2 months) 1 ,874 1 ,762 AT1 (last 1 2 months) -1 1 4 -1 64 Average number of outstanding shares minus the average of treasury shares (millions) 5,244 4,891 Earnings per share (EP S) (€ ) 0.34 0.33 Shareholders' equity 1 4,654 1 2,401 Number of outstanding shares minus the treasury shares (millions) 4,997 4,681 B o o k value per share (€ ) 2.93 2.65 Tangible book value (€ million ) 1 2,094 9,993 Shareholders' equity 1 4,654 1 2,401 Intangible assets 2,560 2,408 Number of outstanding shares minus the treasury shares (millions) 4,997 4,681 T B V per share (€ ) 2.42 2.13 Share price (€ ) 3.300 3.652 TBV per share (€ ) 2.42 2.1 3 P rice / T B V (times) 1.36 1.71 Share price (€ ) 3.300 3.652 Earnings per share (EPS) (€ ) 0.34 0.33 P rice-to -earnings ratio 9.84 11.18 Customer spread (*) Total cost of risk (bps) Price-to-earnings ratio Price / TBV (times) TBV per share (€ ) NPL ratio (%) Earnings per share (EPS) (€ ) Loan-to-deposit ratio (%) Stage 3 coverage ratio with total provisions (%) Book value per share (€ ) Efficiency ratio (includes non-recurrent costs) ROE ROA RORWA ROTE

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Third quarter of 2026 34 Shareholder and Investor Relations For further information, contact: InvestorRelations@bancsabadell.com +34 91 3217373 Shareholder and Investor Relations

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Third quarter of 2026 1 3Q26 Quarterly Financial Report

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Third quarter of 2026 34 Shareholder and Investor Relations For further information, contact: InvestorRelations@bancsabadell.com +34 91 3217373 Shareholder and Investor Relations

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