Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0001193125-25-016657
Chunk: 13

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 13
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914 6.8 -1.0 7,522 2.6 6.0 Funds Income Tax -545 7.6 4.7 -2,074 3.2 6.6 Net Attributable Proﬁt Public sector +3.3% (reported) 1,368 6.5 -3.0 5,447 2.4 5.8 1 1 Lending Cust.Funds KEY RATIOS (1) Performing loans and Cust.Funds under management, excluding repos, according to local GAAP. CUSTOMER SPREAD (%) ASSET QUALITY RATIOS (%) ▰ Loan growth accelerates in Q4 (+5.9% QoQ), mainly driven by Coverage wholesale (+8.7% QoQ), while maintaining a solid pace in retail Yield on (+3.3% QoQ). loans ▰ Exceptional core revenues increase (+8% QoQ). Both NII (+2.7% QoQ) and Fees (+5.2% QoQ) growing soundly, levered on NPL strong activity. Customer Ratio spread ▰ Remarkable Cost to Income ratio at 30.3% in 12M24. ▰ Stable asset quality trends. FY CoR at 339 bps, in line with CoR Cost of expectations and consistent with the macro context and our (YtD) deposits growth strategy. 4Q23 3Q24 4Q24 4Q23 3Q24 4Q24

2024 Earnings 27 Turkey PROFIT & LOSS (CURRENT €M) ACTIVITY (DEC-24) (CONSTANT €; BANK ONLY) 1 €Bn YoY Δ Current (%) Δ Current (%) €Bn 1 YoY -5.0% 4Q24 12M24 vs 4Q23 vs 3Q24 vs. 12M23 FC -24.5% Net Interest Income 566 97.0 76.8 1,492 -20.2 Time +15.5% Net Fees and Commissions 707 91.8 41.6 2,111 111.5 FC Net Trading Income 308 121.7 31.3 1,145 22.1 Demand -2.3% +50.6% TL Other Income & Expenses -207 65.9 90.9 -535 -35.1