Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047351
Chunk: 48

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 48
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ARED TO 31-12-24) |

⁽¹⁾ Excluding repos.

| NET INTEREST INCOME / AVERAGE TOTALASSETS (PERCENTAGE AT CONSTANT EXCHANGERATES) |

| OPERATING INCOME (MILLIONS OF EUROS ATCONSTANT EXCHANGE RATES) |

| +22.4% | -1 |

| 549 |     | 672 |

⁽¹⁾ At current exchange rates: +20.2%.

| NET ATTRIBUTABLE PROFIT (LOSS) (MILLIONS OFEUROS AT CONSTANT EXCHANGE RATES) |

| +20.0% | -1 |

| 401 |     | 481 |

⁽¹⁾ At current exchange rates: +17.6%.

Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish -language version prevails.

| January - September 2025Report - p.53 |

| FINANCIAL STATEMENTS AND RELEVANT BUSINESS INDICATORS (MILLIONS OF EUROS AND PERCENTAGE) |             |       |         |                 |
| Income statement                                                                         | Jan.-Sep.25 |   ∆ % | ∆ % ⁽¹⁾ | Jan.-Sep.24 ⁽²⁾ |
| Net interest income                                                                      |         596 |  14.1 |    15.7 |             522 |
| Net fees and commissions                                                                 |         428 |  52.0 |    53.9 |             281 |
| Net trading income                                                                       |         269 |   6.4 |     8.8 |             252 |
| Other operating income and expenses                                                      |           4 | 191.0 |   241.1 |               1 |
| Gross income                                                                             |       1,296 |  22.6 |    24.5 |           1,058 |
| Operating expenses                                                                       |        -624 |  25.3 |    26.9 |            -498 |
| Personnel expenses                                                                       |        -322 |  23.0 |    24.9 |            -262 |
| Other administrative expenses                                                            |        -273 |  27.8 |    29.2 |            -214 |
| Depreciation                                                                             |         -28 |  27.5 |    28.9 |             -22 |
| Operating income                                                                         |         672 |