Slide 1: CNMV Other Relevant Information notice
We mapfre Madrid, February 12, 2026 NATIONAL SECURITIES MARKET COMMISSION For the purposes of complying with Article 227 of Law 6/2023, of 17 March, on the Securities Markets and Investment Services, MAPFRE, S.A. hereby notifies the National Securities Market Commission (Comisién Nacional del Mercad
Slide 2: Results Presentation 2025
12 February, 2026 RESULTS PRESENTATION 2025
Slide 3: Results 2025: record premiums and earnings
RESULTS 2025 Record Substantial Largest premiums and improvement in dividend earnings profitability ever paid 2
Slide 4: Key figures
Key figures Attributable Revenue Premiums earnings Gross earnings €2,415M 34,501 29,145 1,079 €1,158M +16.7% +4% +3.6% +19.6 % Excl. extraordinary items 2025 NON-LIFE Combined Solvency II* ROE ratio ratio 92.2% 210.4% 12.4% 13.3% Excl. extraordinary items 2025 Homogenized local accounting *Solvency
Slide 5: What happened at Mapfre in 2025?
What happened at Mapfre in 2025? NORTH LATAM IBERIA MAPFRE RE AMERICA Premiums Boosts + €10.0 BN earnings by Record € 365 M result in profit , +10% 42 % with an historic result in Brazil Earnings € 450 M to € 381 M Maintains its leadership positions in the market € 139 M Homogenized local accounting
Slide 6: Commitment with shareholders
Commitment with shareholders 18.0 CENTS 554 € M TOTAL DIVIDEND DIVIDEND paid against the year TOTAL FOR 2025 Dividends paid out 2021 2022 2023 2024 2025 4.6% YIELD * over average weighted € 416 € € 447 M € 447 M € 477 M € 508 M daily share price * Dividend paid in 2025 5
Slide 7: 37 million people in Spain impacted
37 million people in Spain impacted
Slide 8: Results Presentation 2025
RESULTS PRESENTATION 2025 José Luis Jiménez Member of the Board and CFO
Slide 9: Revenue
Revenue TOTAL PREMIUMS CONSOLIDATED € 29,145 M REVENUE +3.6 % +7.8%* €34,501M +4 % 22,466 PREMIUMS +6%* Main businesses 8,475 6,644 6,568 6,679 3,434 2.679 3,168 2,252 +14.7%* 2,189 Non -Life Life Financial Other income General P&C Reinsurance Motor Accident Life Life and Health Savings Protection +
Slide 10: Evolution of combined ratios
Evolution of combined ratios DECEMBER DECEMBER DECEMBER COMBINED RATIO 2025 2024 2023 General P&C 80.2 % 80.9 % 87.6 % Motor 99.8 % 104.6 % 106.0 % Accident and Health 98.3 % 98.6 % 98.9 % Total Non -Life 92.2 % 94.4 % 97.2 % Life Protection 85.0 % 85.5 % 82.7 % Homogenized local accounting 9
Slide 11: Premiums and earnings by business unit
Premiums and earnings by business unit ASSISTANCE INSURANCE MAPFRE RE MAWDY 10,022 LATAM € 24,047 M +3 % € 8,397 M +0.2 % 9,759 6,644 PREMIUMS 5,440 4,320 2,641 1,753 1,625 474 * IBERIA BRAZIL OTHER LATAM NORTH AMERICA EMEA REINSURANCE GLOBAL RISKS ASSISTANCE +10.2 % -10% +5.3 % -4,6 % +6.6% +1.2% -
Slide 12: Group balance sheet
Group balance sheet TOTAL ASSETS 66,749 € 66,749 M 65,013 +2.7 % DECEMBER 2024 DECEMBER 2025 SHAREHOLDERS’ 8,960 EQUITYS 8,508 € 8,960 M +5.3 % 1,079 -513 313 -352 -75 DECEMBER RESULT FOR DIVIDENDS UNREALIZED CURRENCY OTHER DECEMBER 2024 THE YEAR GAINS DIFFERENCES 2025 Homogenized local accounting /
Slide 13: Investments and cash
Investments and cash INVESTMENT PORTFOLIO FIXED INCOME 33,338 € 48,387 M 82.6 % FIXED INCOME GOVERNMENT DEBT Spain 22,799 9,070 +5.8 % AND OTHER Rest of Europe 4,577 United States 1,835 Brazil 2,857 Other Latin American countries 3,681 Other countries 780 CORPORATE DEBT 10,539 THIRD-PARTY ASSETS 9.4
Slide 14: Publicly listed group of insurance entities
Publicly listed group of insurance entities IFRS INSURANCE ENTITIES Local insurance accounting principles 13
Slide 15: IFRS accounting standards
IFRS accounting standards HOMOGENIZED LOCAL IFRS ACCOUNTING 12M 2025 Δ% 12M 2025 Δ% Premiums - - 29,145 3.6% Insurance revenue 26,352 3.3% - - Net result 1,133 17.1% 1,079 19.6% Shareholders ’ equity 9,410 5.9 % 8,960 5.3% Contractual Service Margin 2,600 3.9% - - Combined ratio 90.2% -2.8 p.p. 92.2
Slide 16: Share price
Share price € 13,187M MARKET CAPITALIZATION As at 12 -31-25 IBEX 35 +49.3 % MAPFRE + 75 % EURO STOXX INSURANCE 600 26.7 % Data rebased to 100 15
Slide 17: Results Presentation 2025
RESULTS PRESENTATION 2025 16
Slide 18: Delivering on our objectives
Delivering on our objectives Strategic public committments Average 2024-2026 Average 2025-2026 GROWTH ROE* COMBINED VARIATION IN WRITTEN PREMIUMS (EXCL. LIFE SAVINGS) RATIO* >6 % 11- 12 % % 94 -95 % % SOLVENCY DEBT RATIO PAYOUT RATIO 200 % ≈ 24 % > 50 % +/ - 25 p.p. Homogenized local accounting Refe
Slide 19: Delivering on sustainability
Delivering on sustainability 15 COUNTRIES > 95 % 36 % ESG EQUALITY Carbon neutral Investments Female managers (13 countries as at 2025) 2025 / 93.3% (35.4% in 2025)
Slide 20: Conclusions – Key figures
Conclusions – Key figures Record Committment Significant with progress premiums shareholders made in and technical earnings management 19
Slide 21: Gracias
12 February, 2026 Results Presentation 2025 Gracias