/01

Our identity
P. 11	Presentation of the CaixaBank Group		P. 18	Significant events in the year
P. 13	CaixaBank in 2025
P. 13	Customers
P. 14	Shareholders and Investors
P. 15	Employees
P. 16	Society
P. 17	Environment

Presentation of the CaixaBank Group

CaixaBank is a financial group with a

socially responsible universal

banking model with a long-term

vision,based on quality, close

relationships and expertise.

It offers a value proposition of products and

services adapted for each sector, adopting

innovation as a strategic challenge and a

distinguishing feature of its corporate culture,

and whose leading position in retail banking in

Spain and Portugal makes it a key player in

supporting sustainable economic growth.

CaixaBank, S.A. is the Parent company of a group

of financial services, whose stock is traded on the

stock exchanges of Barcelona, Madrid, Valencia

and Bilbao and on the continuous market. It has

been part of the IBEX-35 since 2011, as well as the

Euro Stoxx Bank Price EUR, the MSCI Europe and

the MSCI Pan-Euro.

IMPACT ON SOCIETY

Besides contributing to our customers'

financial well-being, our aim is to support

the progress of the whole of society.

CaixaBank offers its customers the best tools and expert

advice to make decisions and develop habits that form

the basis of financial well-being and enable them, for

example, to appropriately plan to address recurring

expenses, cover unforeseen events, maintain purchasing

power during retirement or to make their dreams and

projects come true.

We do this by:

| Standing by people for everything that matters.

We are a deeply-rooted retail bank in all

areas in which we work and, for this reason,

we feel a part of the progress of the

communities where we engage our

business.

We do this with:

| Specialised advice,

| Personal finance simulation and monitoring tools,

| Comfortable and secure payment methods,

| A broad range of saving, pension and insurance products,

| Responsibly-granted loans,

| And, overseeing the security of our customers' personal information.

We contribute to the progress of society:

| Effectively and prudently channelling savings and financing, and guaranteeing an efficient and secure payment system.

| Through financial inclusion and education; environmental sustainability; support for diversity; with housing aid programmes; and promoting corporate voluntary work,

| And, of course, through our collaboration with the Obra Social (social work) of “la Caixa” Foundation, whose budget is partly nourished through the dividends that CriteriaCaixa earns from its share in CaixaBank. A major part of this budget is funnelled into identified local needs through the CaixaBank branch network in Spain and BPI in Portugal.

CaixaBank in 2025

CUSTOMERS

The bank of choice for individual customers in

Spain, with a sound and growing franchise in

Portugal.

20.7 M	18.9 M	1.8 M
customers	in Spain	in Portugal

€ 664,040M	€ 731,936 M	€ 384,334M
Of total assets	Customer funds	Loans and advances to customers, gross

_INTEGRATED OMNICHANNEL DISTRIBUTION PLATFORM FOR FINANCIAL

AND INSURANCE NEEDS

4,552	12,272
Branches	ATMs

13.7 M	#1 Life insurance and asset management facilities, in Spain
of digital customers

_LEADING FRANCHISE IN BANCASSURANCE IN SPAIN AND PORTUGAL

Spain

23.4%	24.7%	23.5%	31.0%
Loans to households and businesses	Mortgages	Loans to business	Card turnover
24.7%	23.3%	34.2%	37.8%
Household and company deposits	Investment funds	Pension plans	Savings insurance

Portugal

11.7%	13.2%	11.0%
Loans to households and businesses	Mortgages	Loans to business
19.3%	10.4%	13.1%
Savings insurance	Household and company deposits	Investment funds

_WIDESPREAD RECOGNITION

       

	Best Bank in Spain 2025
	Best Bank for Diversity and Inclusion in Europe 2025 Euromoney

	Best Private Banking in Portugal 2025
	2025 Five Star Award #1 Prestige Products

A

SHAREHOLDERS AND INVESTORS

_GROWTH IN QUALITY OF RESULTS

€ 5,891 M	€ 16,270 M
Attributed profit/(loss)	Gross income

_IMPROVEMENT IN PROFITABILITY AND COST-INCOME:

17.5%	39.4%
RoTE accum. 12 months	Cost-to-income ratio

_ABUNDANT LIQUIDITY

€ 171,830 M	202%	146%
Total liquid assets	Liquidity Coverage Ratio (LCR)	Net Stable Funding Ratio (NSFR)

_BALANCE SHEET STRENGTH

12.6%	17.5%	27.7%
CET1	Total capital	MREL
2.1%	77%	0.22%
Non-performing loans ratio	NPL coverage ratio	Cost of risk (12 months)

_CREATING SHAREHOLDER VALUE

59.4 %	€ 0.50	50 - 60%
Cash Pay-out in 20251	Dividend per share 1	Target cash Pay-out in 2026 2
Share buyback programmes in 2025
€ 1,000 M	€ 500 M
Executed3	In progress4

¹ Includes the interim dividend for 2025, paid in November 2025 for the sum of €0.1679 gross per share and a final

dividend of € 0.3321 gross per share to be paid in April 2026, as agreed by the Board of Directors, to be proposed at

the next General Meeting of Shareholders for approval.

² Target of Pay-out in cash according to the dividend plan for 2026 agreed by the Board of Directors.

³ Relates to the fifth and sixth share buyback programme (€ 500 million each).

⁴ Relates to the seventh share buyback programme. According to the latest information available as at 13 February

2026, a total of 21,893,928 shares had been acquired for € 228 million.

EMPLOYEES

To be close to people, with a team that is prepared for the transformation with the ambition of being the best group

to work for

47,120	55.5%	45.5%
Employees	Women	Men
47.2 years	19.1 years	2,167
Average age	Average length of service	Newly joined workforce

_ COMMITMENT TO DIVERSITY

Diversidad de género
44.0%		45.0%
of women in management positions CaixaBank, S.A. 1		2027 target
1.1%
Adjusted gender pay gap
Diversity of persons with disabilities
713
Employees with disabilities (2025)
Generational diversity
10.2%		11.4%
Employed people under 35 years old in 2025		2027 target

Certified with A level

of excellence

¹ From lower management in A and B branches. Scope CaixaBank, S.A.

_COMMITMENT TO TRAINING

€ 18.1 M	2,810,229	60.3
Total investment in training	Training hours	Hours of training per employee

_PROMOTING WELL-BEING

SOCIETY

_CONTRIBUTION TO GDP

	1.14%	€ 19,249 M
		Direct and indirect contribution to Spain's GDP
		17.40%
	CaixaBank (Spain)	Gross Value Added of CaixaBank in the financial and insurance sector
	0.47%	€ 1,433 M
		Direct and indirect contribution to Portuguese GDP
		6%
	BPI (Portugal)	Gross value added of BPI in the financial and insurance sector

FINANCING AND INVESTMENT WITH IMPACT

€ 7,250 M

Of own social bonds issued since 2019

€ 77,743 M

Assets under management with a high sustainability rating according to SFDR in Spain and Portugal (articles 8 and 9) 1

_TAXES PAID, THIRD-PARTY TAX COLLECTION

AND OTHER CONTRIBUTIONS

€ 3,541 M	€ 2,751 M	€ 169  M
Own taxes paid	Taxes collected from third parties 2	Other contributions3

BOOSTING ECONOMIC ACTIVITY

73,383	7,191
Spain	Portugal
Job positions generated through the multiplier effect of purchases from suppliers 4
Improving people's employability
48,216	150,000
People who have improved their employability in 2025	2027 target

_SOCIAL COMMITMENT ROOTED IN THE DNA

Committed to vulnerable groups
	23,860	754,902
	Volunteers	Beneficiaries
Commitment to financial inclusion in rural areas through mobile offices
29	1,413
Ofibuses (including 4 held in reserve)	Towns served in 17 provinces
2,234	92%
Spanish towns where CaixaBank has a presence	Citizens with a branch in their municipality (Spain) in 2023
Committed to vulnerable groups
409,158
Vulnerable Basic Payment Account customers

¹ Includes mutual funds, pension funds, EPSVs and Unit Linked and under

Article 8 and 9 of the SFDR of the fund managers in Spain and Portugal.

² Taxes collected from third parties arising from their economic

relationship with CaixaBank.

³ Contribution to the Deposit Guarantee Fund, Extraordinary contribution

to the banking sector (Portugal), Contribution to the Single Resolution

Fund and Monetisable DTAs.

⁴ CaixaBank Research, based on the value of CaixaBank's activity, Spanish

GDP, employment according to National Accounts and figures per worker

and based on input-output tables of the National Statistics Institute (INE),

with data for the fourth quarter.

ENVIRONMENT

Transitioning to a carbon neutral economy

_PORTFOLIO DECARBONISATION

		Statement on Nature approved by the Board of Directors
		Green bond issue for € 1,000 million, reaching the total to € 8,150 million since 2020

Approval of the Group's Prudential Transition Plan for risk

management

	10
	Sectors with decarbonisation targets
	Electric	Fossil fuel combustion
	Coal phase out	Iron and steel
	Commercial real estate	Residential real estate
	Maritime	Aviation
	Agriculture and livestock	Automotive

_MOBILISATION OF SUSTAINABLE FINANCES

	>€ 100.000 M
	Target 2025-2027
	€ 46.167 M
	Mobilised by Group in 2025

Implementation of environmental efficiency measures in accordance with

the requirements of internationally recognised standards:

   

_COMMITMENT TO NATURE

ACKNOWLEDGEMENT

Significant events in the year

January	February	March	April	May	June
CaixaBank issues €1,000 million as a new Senior Non-Preferred bond.	CaixaBank issues €1,000 million as a new Tier 2 subordinated bond.	CaixaBank, recognised for the third consecutive year as ' Best Private Banking Institution in Spain ' by Euromoney.	CaixaBank, recognised as the "Best Bank in the World for its support to Society" by Global Finance.	CaixaBank celebrates Social Month , with more than 2,580 social initiatives across Spain, involving 18,000 volunteers.	CaixaBank, the first financial institution in Spain to offer Tap to Pay on iPhone , which allows users to turn their smartphone into a point of sale.
CaixaBank, recognised for the fourth consecutive year for excellence in its Human Resources practices by Top Employers.	CaixaBank launches the ‘Cosmos’ plan, its roadmap for processes and technology under the 2025–2027 Strategic Plan, which will involve total investment of €5,000 million.		CaixaBank pays the 2024 dividend of €2,028 million, equivalent to €0.2864 per share.		CaixaBank places a double- tranche issue including its ninth green bond issue for €1,000 million . With this issue, CaixaBank has issued green bonds amounting to €8,150 million since their launch in 2020.
CaixaBank, the first bank in Europe to be certified under the SEPA Request To Pay scheme, activates the commercial service in Spain.		CaixaBank's Board of Directors appoints Amparo Moraleda as Vice-Chairwoman.	The General Meeting of Shareholders approves the appointment of five new directors .	CaixaBank launches 'Facilitea Casa' , a real estate portal to facilitate access to housing through digital solutions. This proposal is in addition to 'Facilitea Coches'.
CaixaBank launches the 2025-2027 Strategic Plan , focused on digitalisation, sustainability and personalised customer service.			CaixaBank launches Generation+, a new range of products for retirement planning and support for the elderly.	CaixaBank, awarded "Best Bank in Europe for Technology" by the Financial Times Group.
CaixaBank approves the sixth sharebuyback (SBB), for a maximum amount of €500 million. The programme got under way in June 2025.

July	August	September	October	November	December
CaixaBank creates the AI Office to ensure that all projects comply with the regulations, ethics and provide value to stakeholders.	CaixaBank guarantees financial inclusion in 266 towns of less than 100 inhabitants thanks to the mobile branch service. In total, CaixaBank provides coverage, through mobile branches, to 1,413 localities and more than 644,000 people.	CaixaBank launches the periodic premium version of MyBox VidaCare 10 , the first insurance policy to protect against loss of autonomy due to neurodegenerative diseases.	CaixaBank and imagin launch an innovative personalised " Cashback " reimbursement programme , to refund part of the money spent by customers on their purchases.	CaixaBank places an issue for 1 billion euros of Tier 2 corporate subordinated debt. Following this issue, CaixaBank has issued 7 corporate bonds for an amount of 7,250 million euros since their inception in 2019.	MicroBank, the leading bank in Europe in microcredit lending, with €2,444 million granted in 2025.
CaixaBank is recognised by Environmental Finance with the following awards: “Innovation in Use-of-Proceeds Financing” and “ Innovation of the Year” for its supply chain finance model.	CaixaBank first bank in Spain to offer Pay Later , allowing purchases to be split into instalments at the time of payment using Apple Pay.	CaixaBank, the first Spanish bank to take part in the creation of a euro-linked stablecoin, alongside other European banks.	CaixaBank launches CaixaBank Wealth Management, its new brand for its Private Banking division.	CaixaBank achieves the highest rating in MSCI's ESG rating.	The Board of Directors agrees to changes in the Management Committee.
				CaixaBank launches its seventh share buyback programme for a maximum of 500 million euros , following the completion of the fifth and sixth programmes for 500 million euros each.	The Board of Directors approves the Group's Prudential Transition Plan , which is a central tool for climate risk management.
				CaixaBank adds four new international awards for its innovation and transformation projects at the Quorus-Infosys Awards.