Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001193125-25-257753
Chunk: 11

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 11
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 Other Commercial % +7.8% +18.9 Off-BSFunds Public sector +1.9% (1) Performing loans and Cust.Funds under management, excluding repos, according to local GAAP. Sound loan growth (+9.8% YoY, +11% excl. FX impact) driven by retail segments (+13.8% YoY). Strong core revenue growth (+3.3% QoQ), supported by higher NII amid sound lending momentum and solid fee performance across all segments. Outstanding efficiency ratio at 30.5% 9M25. Solid underlying asset quality trends. CoR stands at 327 bps, ahead of expectations. p. 20

3Q25 EARNINGS BUSINESS AREAS Turkey PROFIT & LOSS Ä Current (%)Ä Current (%) (CURRENT €M)3Q25vs. 3Q24vs. 2Q259M25vs. 9M24 Net Interest Income831159.437.22,137131.0 Net Fees and Commissions5449.07.11,60214.1 Net Trading Income119-49.521.4340-59.4 Other Income & Expenses-12616.481.9-303-7.6 Of which: Net Monetary Position (NMP) loss-251-11.669.5-747-36.6 CPI linkers revenues165-22.251.6584-36.1 Gross Income136744.619.83,77633.1 Operating Expenses-57121.213.6-1,65119.6 Operating Income79667.724.62,12545.8 Impairment on Financial Assets-26043.650.2-667100.6 Provisions and Other Gains and Losses-23-246.6-279.9-13-113.1 Income Before Tax51365.77.11,44518.1 Income Tax-23210.230.6-674-4.9 Non-controllingInterest-45164.1-5.7-12350.7 Net Attributable Profit (reported)236187.7-6.964849.6 KEY RATIOS CUSTOMER SPREAD (%)ASSET QUALITY RATIOS (%) COST TO CoverageINCOME FC(%) (YtD) 43.7 NPL Ratio RoRWA (%) (YtD, CURRENT) TLCoR1.49 (YtD) 3Q242Q253Q253Q