Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001193125-25-257753
Chunk: 14

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 14
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;CONSTANT €BN) LENDING1CUST.FUNDS1 YoY +34.4% YoY CIB US+49.9% +46.2% CIB+36.7% CIB+26.5% Europe/UK +25.1%Digital Banksn.a. CIB Asia Othern.a.Other+15.3% (1) Performing loans and Cust.Funds under management, excluding repos. (1) Performing loans and Cust.Funds under management, excluding repos. Solid activity dynamics across the board, driven by both Investment Banking and Transactional Banking. Robust revenues growth, underpinned by strong business activity. Higher NII, supported by larger volumes and price management. Outstanding fee performance, thanks to a stronger contribution from Investment Banking fees. Strong asset quality metrics, with CoR at 10 bps 9M25. p. 23

3Q25 EARNINGS Takeaways Outstanding shareholder value creation and profitability metrics Strong core revenues evolution on the back of activity growth, fully absorbing the declining rates in larger markets Continued CET1 capital creation with positive tailwinds for 4Q25 Another solid quarter in profit andp. 24 capital generation Industry leading efficiency levels with clear focus on costs Continued growth of the underlying franchise with record new customer additions and sustainability volumes

Annex 1 P&L Accounts by Business Area 2 Customer Spread by Country 3 Stages Breakdown by Business Area 4 ALCO Portfolio, NII Sensitivity and LCRs & NSFRs 5 CET1 Sensitivity to Market Impacts RWAs by Business Area Book Value of the Main Subsidiaries MREL Digital Metrics

1 P&L Accounts by Business Area Corporate Center Turkey Argentina Colombia Peru (hyperinflation adjustment) (hyperinflation adjustment)

3Q25 EARNINGS ANNEX—P&L ACCOUNTS BY BUSINESS AREA Corporate Center Ä (%)Ä (%) PROFIT & LOSS (€M)3Q25vs. 3Q24vs. 2Q259M25vs. 9M24 Net Interest Income-124-16.123.1-3230.5 Net Fees and Commissions-2519.2-31.0-8744.4 Net Trading Income-101n.s.-31.0-186n.s. Other Income & Expenses1-89.8-99.162n.s. Gross Income-249n.s.8.8-53475.4 Operating Expenses-2237.610