Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0001193125-25-016657
Chunk: 11

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 11
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 as a Winning Team Promote a Value and Capital Creation Mindset

2024 Earnings 24 SPAIN Business MEXICO Areas TURKEY SOUTH AMERICA

2024 Earnings 25 Spain PROFIT & LOSS (€M) ACTIVITY (DEC-24) Δ (%) Δ (%) YoY €Bn YoY €Bn +4.1% 4Q24 12M24 +5.2% vs. 4Q23 vs. 3Q24 vs. 12M23 Net Interest Income 1,604 2.4 -1.0 6,435 14.5 Net Fees and Commissions 619 10.3 9.3 2,329 7.7 Net Trading Income 108 7.4 -48.5 675 64.9 Mortgages +1.6% Demand Other Income & Expenses 56 -132.4 -31.5 50 n.s. +2.6% Deposits Gross Income 2,387 16.1 -3.7 9,490 20.3 Consumer + Credit Cards +6.8% Operating Expenses -888 3.7 7.6 -3,349 4.8 Very small businesses +1.5% Operating Income 1,499 25.0 -9.3 6,140 30.8 Time +0.3% +6.3% Mid-size companies Deposits Impairment on Financial Assets -176 -28.4 2.6 -682 4.8 Provisions and Other Gains and Losses -61 -14.1 63.8 -150 3.2 Corporate + CIB +7.0% Off-BS Income Before Tax 1,262 43.0 -12.6 5,309 36.2 Funds +11.8% +3.7% Public sector Income Tax -343 40.0 -6.5 -1,522 29.5 Others +9.3% Net Attributable Proﬁt (reported) 918 44.2 -14.6 3,784 39.1 1 1 Lending Cust.Funds KEY RATIOS (1) Performing loans and Cust.Funds under management, excluding repos. CUSTOMER SPREAD (%) ASSET QUALITY RATIOS (%) ▰ Very sound loan evolution in Q4 (+2.3% QoQ), with strong Yield