Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001193125-25-257753
Chunk: 7

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 7
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25 (1) Weighted by operating expenses and excluding Venezuela. p. 12

3Q25 EARNINGS Sound Asset Quality Metrics, Better than Expectations FINANCIAL ASSETS IMPAIRMENTS (CONSTANT €M) 1,601 1,368 1,391 1,421 1,306 3Q24 4Q24 1Q25 2Q25 3Q25 COST OF RISK (%, YTD) 1.42% 1.43% 1.35 1.30% 1.32% % Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 NPL(CURRENT €BN) 15.3 14.8 14.3 14.6 14.3 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25NPL & COVERAGE RATIOS (%) 82% 81% 84% 75% 80% COVERAGE 3.3% 3.0% 2.9% 2.9% 2.8% NPL Sep-24 Dec-24 Mar-25 Jun-25 Sep-25p. 13

[Graphic Appears Here] CET1 RATIO (%, BPS) +8bps ADDITIONAL POSITIVE REGULATORY IMPACTS c.+40-50bps+65 bps -35bps in 4Q25 % -37bps 13.42% 13.34 +15 bps Target Range 11.5%-12.0%SREP Requirement 9.13% Jun-25Results Dividend RWAs Others1 Sep-25accrual & AT1 (constant €) coupons Starting tomorrow a share buyback of c.1 billion € Record interim dividend (Payable on Nov. 7th) € / sh. cts. 32 Pending approval2 of a significant new SBB program (1) Includes, among others, FX, mark to market of HTC&S portfolios, minority interests, and a positive impact in OCI equivalent to the Net Monetary Position value loss in hyperinflationary economies registered in results. (2) Pending approval from the governing bodies and subject to regulatory approval. p. 14

3Q25 EARNINGS Record Customer Acquisition Driven by Digital NEW CUSTOMERS1 (BBVA GROUP, MILLION; % ACQUISITION THROUGH DIGITAL CHANNELS) 8.6 8.5 8.7