Results presentation (1Q25 Results presentation)

Disclaimer

Bankinter presents its financial statements in accordance with the regulatory framework applicable to the Group, set out in the Commercial Code and other company regulations, as well as by International Financial Reporting Standards adopted by the European Union, and prudential regulation with our best estimation of regulatory ratios.

The purpose of this presentation is purely informative, and its content should not be understood as an offer or recommendation to buy or sell financial instruments issued by Bankinter, S.A. ("Bankinter" or "BKT") or any other companies mentioned herein.

Investors should make their own investment decisions, seeking the specialized advice they deem necessary and not relying on the information contained in this presentation.

Similarly, Bankinter advises that this presentation may contain forward-looking statements, regarding the business evolution and results of the entity.

While these statements represent our opinion and future expectations, various risks, uncertainties and other important factors may cause results to differ significantly from our expectations. These factors include, but are not limited to, (1) general market trends, macroeconomic, political, and new regulations, (2) variations in both local and international stock markets, foreign exchange and interest rates, as well as other market and operational risks, (3) competitive pressures, (4) technological developments, (5) changes in the financial situation, credit capacity, or solvency of our clients, debtors, and counterparties, etc.

The financial information contained in this document has been prepared in accordance with International Financial Reporting Standards (IFRS). This document also includes certain Alternative Performance Measures (APMs), as defined in the Guidelines on Alternative Performance Measures published by the European Securities and Markets Authority (ESMA) in October 2015 (ESMA/2015/1415). Bankinter uses certain APMs, which have not been audited, to allow users to better understand the Company's financial performance. These measures should be considered as additional information and under no circumstances replace the financial information prepared under IFRS.

Furthermore, the way in which Bankinter defines and calculates these measures may differ from other similar measures calculated by other companies and, therefore, may not be comparable. The ESMA Guidelines define APMs as a financial measure of historical or future financial performance, financial position or cash flows, other than a financial measure defined or specified in the applicable financial reporting framework. To learn more about the APMs used and the reconciliation of

certain indicators, please see the relevant quarterly financial report of Bankinter,which can be found in Excel format on its website under Shareholder and Investor Relations/Financial Information/Quarterly financial information in excel.

Notwithstanding any legal requirements or any limitations imposed by Bankinter that may be applicable, any form of use or application of the contents of this presentation, as well as the use of the signs, trademarks, and logos contained therein, is expressly prohibited. This prohibition extends to all types of reproduction, distribution, transfer to third parties, public communication, and transformation, by any means or medium, for commercial purposes, without the prior and express authorization of Bankinter and/or other respective owners of the presentation. Failure to comply with this restriction may constitute an infringement that the current legislation may sanction in such cases.

In the event of any discrepancies between this presentation and the original version in Spanish, the latter shall prevail as the authoritative document over this translation.

Highlights

.1 Volume growth across the board, spanning all geographies

+9%

+€18Bn

vs mar-24

+9% / €18Bn

206

221224

Gross operating income

"Core" revenues

€ million

+11% / +€73M

732

659

€ million

Relevant income differences:

+€22M

Net Fees

-€37M

NII

+€95M

Bank Levy

-2%

743

166

729

188

578

541

Portuguese mortgages, other w/ real guarantees

Loans and other credits

8

1Sector NPL data based on the last available information published in each national bank as of April 2025

Cost-to-income ratio

12-month periods

42,3%

37,2%

European Peers1

Cost-to-Income ratio:

47,8%

1st quartile

out of +100

European

36,7% SIs

4º quartile

18,8% out of +100 European

17,9%SIs

17,1%

European Peers1

ROE: 12,2%