Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0001193125-25-169879
Chunk: 5

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 5
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076 14 -6 3 -6 Income Tax -1,160 1 -16 -14 -21 Non-controlling Interest -167 63 8 17 -9 Net Attributable Proﬁt 2,749 18 -2 11 2 p. 7

2Q25 EARNINGS 6M25 Proﬁt & Loss Change 6M25/6M24 % BBVA GROUP (€M) 6M25 const. % Net Interest Income 12,607 10 -3 Net Fees and Commissions 4,010 18 4 Net Trading Income 1,431 -13 -24 Other Income & Expenses -15 n.s. n.s. Gross Income 18,034 20 3 Operating Expenses -6,787 10 -1 Operating Income 11,247 26 6 Impairment on Financial Assets -2,761 10 -3 Provisions and Other Gains and Losses -62 n.s. n.s. Income Before Tax 8,424 31 8 Income Tax -2,626 23 4 Non-controlling Interest -351 132 35 Net Attributable Proﬁt 5,447 31 9 p. 8 Note: 6M24 includes annual Spanish banking tax of -285 €M. 6M25 includes Spanish banking tax accrual of -150 €M.

2Q25 EARNINGS Positive growth trend in revenues NET INTEREST INCOME (CONSTANT €M) NET FEES AND COMMISSIONS (CONSTANT €M) % % +11.2 +17.7 % +4.1 NII growth driven by Positive fee income % +3.9 strong activity and trend levered on good price payments and asset management management NET TRADING INCOME (CONSTANT €M) GROSS INCOME (CONSTANT €M) % % -48.5 +11.7 % % -42.4 Lower contribution of Solid gross income +1.7 NTI mainly due to FX growth mainly due Hedges in the to positive core Corporate Center, revenues especially due to USD depreciation vs. EUR p. 9

2Q25 EARNINGS Loan growth accelerates, absorbing the impact of lower rates and driving core revenues increase TOTAL LOAN GROWTH (YOY, CONSTANT €) TOTAL LOAN GROWTH CORE REVENUES (YOY, CONSTANT €) (CONSTANT €M) BBVA Group