Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0001193125-25-169879
Chunk: 14

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 14
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��ation accounting in 2028 p. 25 Note: Additional details on macroeconomic assumptions by country are provided in the Annex.

2Q25 EARNINGS MEDIUM - TERM STRA TEGIC OBJECTIVES What should be highlighted in the new strategic cycle A SIGNIFICANT BOOST IN REVENUE GROWTH AND VALUE CREATION Continued More focus Core Hyper Enterprises market share on fee countries to countries to & CIB improve on their businesses gains due to improve contribution high proﬁtability especially increase in especially in the signiﬁcantly insurance/ asset customer base helped by second part of larger management and on the cycle activity and leveraging transactional better cost cross-border and products of risk sustainability Use of balance sheet rotation Productivity programs as part of capital optimization efforts driven by Next Gen technologies and AI p. 26

MEDIUM - TERM STRA 2Q25 EARNINGS TEGIC OBJECTIVES Group Financial KPIs Goals NET ATTRIBUTABLE ROTE TBV + DIV PER SH C/I RATIO PROFIT (%, CURRENT €) (%, CURRENT €) (%, CURRENT €) (CURRENT €) % % Mid-teens c.22 c.35 c.€48 Bn Cumulative Avg. 2025-2028 CAGR 2024-2028 2028 2025-2028 p. 27

2Q25 EARNINGS MEDIUM - TERM STRA TEGIC OBJECTIVES Business Units Financial KPIs Goals South Rest of Spain Mexico Turkey 1 America Business Activity Mid-single High-single Above High High Growth digit digit inﬂation teens teens (CAGR 24-28, const. €) Low to High-single Revenue High-single High-teens Mid-single digit c.20% Growth (current €) digit (CAGR 24-28, const. €) (current €) digit C/I low 30ʼs <40% (in 2028, low 30ʼs c.30% <50% (current €) (current €) constant €) Cost of Risk (Avg. 2025-28 c.30 bps c.330 bps c.200 bps c.230 bps c.20 bps current €) c.3% RoRWA >3.5% c.4% c.6.5% >2% (2028, constant €) (current €) (current €) p. 28 (1) Main