Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0001193125-25-169879
Chunk: 4

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 4
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M25 p. 5 Note: 6M24 includes annual Spanish banking tax of -285 €M. 6M25 includes Spanish banking tax accrual of -150 €M. (1) European Peer Group: BARC, BNPP, CABK, CASA, DB, HSBC, ING, ISP, LBG, NDA, SAN, SG, UCG, UBS. UBS excluded in 2023 & 2024.

2Q25 EARNINGS 2Q25 key messages 1 NET INTEREST INCOME TOTAL LOAN GROWTH 1 Strong activity drives Net % % vs. Jun 2024 +11.2 vs. 2Q24 +16.0 Interest Income growth CONSTANT CONSTANT NET FEES AND COMMISSIONS 2 Excellent fee income % +17.7 vs. 2Q24 evolution CONSTANT 3 EFFICIENCY RATIO Positive jaws and leading % 6M25 37.6 efﬁciency ratio COST OF RISK 4 Asset quality remains stable, % 6M25 1.32 better than expectations CET1 RATIO 5 Sound capital position, with % % % vs. 11.5 -12 13.34 exceptional quarterly evolution TARGET RANGE 6 NEW CUSTOMERS SUSTAINABLE BUSINESS Continued growth of the underlying business franchises 5.7 million in 6M25 € 63 billion in 6M25 p. 6 (1) Performing loans under management excluding repos.

2Q25 EARNINGS 2Q25 Proﬁt & Loss Change Change 2Q25/2Q24 2Q25/1Q25 % % 2Q25 BBVA GROUP (€M) const. % const. % Net Interest Income 6,208 11 -4 4 -3 Net Fees and Commissions 1,951 18 0 4 -5 Net Trading Income 484 -49 -57 -42 -49 Other Income & Expenses 67 n.s. n.s. n.s. n.s. Gross Income 8,710 12 -6 2 -7 Operating Expenses -3,224 7 -7 -2 -9 Operating Income 5,485 14 -5 4 -5 Impairment on Financial Assets -1,377 9 -7 8 -1 Provisions and Other Gains and Losses -33 n.s. n.s. 13 13 Income Before Tax 4,