Agency	Date	Long Term	Short Term	Outlook
DBRS	12/07/2023	A(low)	R-1 (low)	Positive
Moodys	19/03/2024	A2*	P-1	Stable
S&P Global ratings	25/11/2022	A-	A-2	Stable

^{* This rating corresponds to the LT Counterparty Risk Rating, the issuer does not have any senior preferred debt instrument with a Moodys rating}

Agency	Date	Long Term	Outlook
Standars&Poors (1)	04/10/2019	AA+	Stable
Moodys	01/01/2019	Aa1	Stable

^{(1) Bankinter S.A., commits to maintain the amount of overcollateralization requiered by S&P Global Ratings to hold the rating for Bankinter covered bond program with the maximun potential collateral-based uplift.}

The credit rating can be revised, cancelled or withdrawn at any time by the ratings agency.

The aforementioned credit ratings are only an estimation and should not prevent potential investors in bonds issued by the Company from undertaking their own analysis of the Company or the bonds it issues.

The long term debt rating categories used by the aforementioned agencies are as follows:

Agency	Moody's	Standard & Poor´s	DBRS
Investment Category	Aaa, Aa, A, Baa	AAA, AA, A, BBB	AAA, AA, A, BBB
Speculative Category	Ba, B, Caa, Ca, C	BB, B, CCC, CC, C	BB, B, CCC, CC, C

Moody's assigns numeric modifiers 1, 2 and 3 to each generic ratings classification from Aa through B. The modifier 1 indicates that the obligation ranks in the higher end of its generic rating category; the modifier 2 indicates a mid-range ranking and the modifier 3 indicates a ranking in the lower end of that generic rating category.

S&P Global Ratings applies a plus (+) or minus (-) sign in categories AA through CCC to show relative standing within the major rating categories.

The short term debt rating categories used by these agencies are as follows:

Moody's	S&P Global Ratings	DBRS
Prime-1, Prime-2, Prime-3	A-1, A-2, A-3, B, C	R-1, R-2, R-3, R-4, R-5

S&P Global Ratings applies a plus sign (+) within the categories A-1 and F1.

These credit ratings do not constitute a recommendation to buy, sell or subscribe to the bonds issued by the Company. The credit rating can be revised, cancelled or withdrawn at any time by the ratings agency.

The aforementioned credit ratings are only an estimation and should not prevent potential investors in bonds issued by the Company from undertaking their own analysis of the Company or the bonds it issues.