Company: BBVXF
Filing Date: 2025-04-29
Form Type: 6-K
Source: 0001193125-25-101898
Chunk: 8

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-04-29
Form: 6-K
Chunk 8
---
. NEW SUSTAINABLE BUSINESS TARGET €700Bn €304Bn SUSTAINABLE BUSINESS 2029 2028 2027 2026 2025 2024 2023 2022 2021 2020 2019 2018

1Q25 Earnings 16 Business Areas SPAIN MEXICO TURKEY SOUTH AMERICA

1Q25 Earnings 17 Spain PROFIT & LOSS (€M) ACTIVITY (MAR-25)KEY RATIOS CUSTOMER SPREAD (%) ASSET QUALITY RATIOS (%) Coverage CoR (YtD) Yield on loans Cost of deposits 1Q24 4Q24 1Q25 1Q24 4Q24 1Q25 €Bn YoY YoY Mortgages Consumer + Credit Cards Very small businesses Mid-sizecompanies Corporate + CIB Public sector Others +1.7% +7.5% +3.5% +10.0% +10.2% +9.0% +23.0% +1.9% -6.8%+9.8% (1) Performing loans and Cust.Funds under management, excluding repos. Demand Deposits Off-BSFunds Time Deposits Lending1 Cust.Funds1 +6.6% +3.5% NPL Ratio Customer spread €Bn ” (%) 1Q25 vs. 1Q24 vs. 4Q24 Net Interest Income 1,607 1.2 1.0 Net Fees and Commissions 590 6.8 -3.0Net Trading Income 248 16.7 100.1 Other Income & Expenses 89 n.s. 59.2 Gross Income 2,533 18.2 6.5 Operating Expenses -816 -0.1 -8.0Operating Income 1,717 29.5 15.2 Impairment on Financial Assets -139 -15.7 -22.2Provisions and Other Gains and Losses -26 -16.8 -57.7Income Before Tax 1,553 37.4 24.0 Income Tax -52826.4 55.1 Net Attributable Profit (reported) 1,024 43.8 12.4 Loan growth accelerates (+2.9% QoQ) driven by a strong performance across the board. NII expanded in the quarter despite lower rates (+1.0