CaixaBank (CABK) investor relations material

Opening remarks and agenda

• The meeting was held in Valencia with both on-site and remote participation, ensuring all shareholders could exercise their rights remotely and access documentation digitally or in person.

• Bureau Veritas certified the AGM as a sustainable event, and the agenda included approval of 2025 annual accounts and various proposals.

• Notice of the meeting was published in compliance with Spanish law, and shareholders could request information and participate in Q&A.

• Attendance reached over 83,000 shareholders, representing 83.87% of share capital, confirming a valid quorum.

• Chairman Tomás Muniesa and CEO Gonzalo Gortazar led the Annual General Meeting, outlining the agenda and reaffirming commitment to stakeholders.

Financial performance review

• Consolidated net profit reached €5.89 billion in 2025, up 1.8% year-on-year, with RoTE at 17.5%.

• Customer base increased by 390,000, customer funds grew 6.8% to €731.9 billion, and performing loans increased by 7.0%.

• Earnings per share rose to €0.83, and cost-to-income ratio improved to 39.4%.

• NPL ratio dropped to 2.1%, cost of risk dropped to 0.22%, and capital ratios improved to 12.6%.

• Interest margin fell over 4% due to rate environment, but fee and service income compensated, maintaining profitability.

Board and executive committee updates

• Amparo Moraleda was recognized for her 12 years of service as independent director and vice-chair; her departure led to new board appointments.

• The board size remains at 15, with independent directors increasing to 66.7% and female representation at 40%.

• Board highlighted successful execution of the 2025-27 Strategic Plan, exceeding initial growth and profitability targets.

• Ongoing share buyback programs, with the 6th completed and the 7th underway.