Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047351
Chunk: 33

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 33
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, in addition, the efficiency ratio improved. – Impairment on financial assets decreased by 5.7%, mainly as a result of lower recurring inflows of non-performing loans, mainly in the mortgage portfolio. On the other hand, the cumulative cost of risk at the end of September 2025 remained practically stable compared to June, that is, 0.34%. – Finally, the income tax line includes the accrual, for the first nine months of 2025, of the new tax on net interest income and net fees and commissions amounting to approximately €224m, of which €75m correspond to the third quarter of the year. Spain generated a net attributable profit of € 994 m in the third quarter of 2025 , representing a decrease of 11.2 % compared to the previous quarter. This evolution is mainly due to a lower contribution from the components of the gross income, except the net interest income ( +3.2% in the quarter), and to an increase in operating expenses, as the second quarter reflects the positive impact of the adjustment of the pro-rata VAT.

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

| January - September 2025Report - p.38 |

Mexico Highlights for the period January - September 2025 – Retail lending continues its strong performance – Favorable evolution of the recurring revenues – Good performance of the insurance business – Quarterly net attributable profit remains at high levels and above the previous quarter

| BUSINESS ACTIVITY ⁽¹⁾ (VARIATION AT CONSTANTEXCHANGE RATE COMPARED TO 31-12-24) |

⁽¹⁾ Excluding repos.

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

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

| +7.2% | -1 |

| 7,217 |     | 7,735 |

⁽¹⁾ At current exchange rate: -5.2%.

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

| +4.5% | -1 |

| 3,709 |     | 3,875 |

⁽¹⁾ At current exchange rate: -7.6%.

Translation of this report originally issued in Spanish. In the event of a discrepancy, the