Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001193125-25-257753
Chunk: 9

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 9
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 (€M) Ä (%)Ä (%) 3Q25vs. 3Q24vs. 2Q259M25vs. 9M24 Net Interest Income1,6754.03.24,9052.3 Net Fees and Commissions5662.2-3.51,7434.2 Net Trading Income136-40.0-11.2536-11.2 Other Income & Expenses79-3.3-33.9289n.s. Gross Income2,457-0.6-1.17,4735.8 Operating Expenses-8503.112.8-2,420-1.6 Operating Income1,607-2.5-7.15,0539.7 Impairment on Financial Assets-1762.28.2-478-5.7 Provisions and Other Gains and Losses-13-65.4-11.0-53-40.6 Income Before Tax1,417-1.5-8.74,52212.7 Income Tax-42215.5-2.0-1,38118.3 Net Attributable Profit994-7.2-11.23,13910.5 KEY RATIOS CUSTOMER SPREAD (%)ASSET QUALITY RATIOS (%) COST TO Yield onINCOME loans(%) (YtD) Coverage32.4 CustomerNPL spreadRatio RoRWA (%) (YtD) Cost of deposits 3.45 CoR (YtD) 3Q242Q253Q253Q242Q253Q25 ACTIVITY (€BN, SEP-25)LENDING1 CUST.FUNDS1 YoY YoY +6.7% +7.8% Mortgages % +1.5 % Demand +2.7 Deposits Consumer + Credit Cards +9.3% Very small businesses -0.1%Time +22.1% Mid-sizecompanies +10.8% Deposits Corporate + CIB +17.6% Public sector +20.3% Off-BSFunds +9.5% Others +10.6% (1) Performing loans and Cust.Funds under management, excluding repos. Loan growth accelerated (+7.8% YoY), supported by strong new loan origination (+13% 9M25 YoY). NII continues to increase (+3.2% QoQ), driven by robust activity growth, disciplined pricing, and a higher AL