Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001193125-25-257753
Chunk: 4

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 4
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2 Excellent fee income evolution 3 Positive jaws and leading efficiency ratio 4 Sound asset quality metrics, better than expectations 5 Solid capital position, with positive quarterly evolution 6 Continued growth of the underlying business franchises NET INTEREST INCOME % +18.3 vs. 3Q24 CONSTANT NET FEES AND COMMISSIONS +15.3% vs. 3Q24 CONSTANT EFFICIENCY RATIO % 38.2 9M25 COST OF RISK % 1.35 9M25 CET1 RATIO % % % 13.42 vs. 11.5 -12TARGET RANGE NEW CUSTOMERS 8.7 million in 9M25 TOTAL LOAN GROWTH1 % +16.0 vs. Sep 2024 CONSTANT SUSTAINABLE BUSINESS € 97 billion in 9M25 p. 6 (1) Performing loans under management excluding repos.

3Q25 EARNINGS 3Q25 Profit & Loss ChangeChange 3Q25/3Q243Q25/2Q25 %% BBVA GROUP (€M)3Q25const.%const.% Net Interest Income6,64018.313.27.16.9 Net Fees and Commissions2,06015.37.85.85.6 Net Trading Income531-46.1-49.28.69.7 Other Income & Expenses-1285.419.7n.s.n.s. Gross Income9,10210.04.44.44.5 Operating Expenses-3,57413.37.311.010.8 Operating Income5,5287.92.60.50.8 Impairment on Financial Assets-1,56717.08.812.613.8 Provisions and Other Gains and Losses-9419.418.0n.s.n.s. Income Before Tax3,8684.50.0-5.1-5.1 Income Tax-1,20610.86.23.93.9 Non-controllingInterest-13234.425.9-15.6-21.0 Net Attributable Profit2,5310.4-3.7-8.2-8.0 Note: 2Q25 and 3Q25 include Spanish banking tax quarterly accrual of -65€M and -75€M. p. 7

3Q25 EARNINGS 9M25 Profit & Loss Change 9M25/9M24 % BBVA