International Bancshares (IBOC) investor relations material

Executive summary

• Annual Shareholders' Meeting scheduled for May 18, 2026, at the IBC Annex Building in Laredo, Texas, marking the company's 60th anniversary this year.

• Strong earnings reported for 2025 despite economic challenges and fluctuating interest rates, with a focus on revenue performance and cost controls.

• Net income for 2025 was $412.3 million, total assets reached $16.58 billion, and return on equity was 12.40%.

• Management continues to prioritize protecting shareholder investments and maintaining efficient operations.

Voting matters and shareholder proposals

• Shareholders are asked to vote on the election of directors and other issues presented at the meeting using the provided Proxy Card.

• Quorum is emphasized as essential, with encouragement to return the Proxy Card in advance.

Board of directors and corporate governance

• The Board approved a $0.73 per share cash dividend on February 2, 2026, payable to shareholders of record as of February 15, 2026.

• Dividend increased by 4.3% from the previous dividend, continuing a history of dividend growth.