Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047351
Chunk: 35

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 35
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 2025, supported by the evolution of the retail portfolio, which grew by 8.9 %, with a favorable performance of all the portfolios, where the dynamism of consumer loans stands out, registering an increase of 12.1%, and also SMEs with an increase of 13.5% since December 2024. As a result of this evolution, the loan portfolio continued showing a high degree of diversification, with 46% of the total portfolio corresponding to wholesale credit and the remaining 54% to retail credit. – Customer deposits under management grew by 9.8 % in the first nine months of 2025, with a notable growth in off- balance sheet funds of 18.0 % and 4.2 % in customer deposits. The most relevant aspects related to the area's activity in the third quarter of 2025 were: – During the quarter, lending activity grew by 1.1%, driven by the dynamism of all products in the retail portfolio, which increased by 3.1%, especially consumer loans ( +4.5 %). – With regard to the asset quality indicators, the NPL ratio stood at 2.8% at the end of September 2025, which represents an increase of 11 basis points compared to the end of June, mainly explained by the growth of non-performing loans in the retail portfolio. On the other hand, the NPL coverage ratio was 123 % at the end of September 2025, which represents a decrease compared to the end of June, mainly explained by the aforementioned higher volume of non-performing loans. – Customer deposits under management were 2.7% above the June balances, originated in the evolution of off-balance sheet funds (+6.7%). Deposits from customers remained stable during the quarter (-0.2%), where strategies to attract time deposits partially offset the reduction in demand deposits.

Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish -language version prevails.

| January - September 2025Report - p.41 |

Results BBVA Mexico achieved a cumulative net attributable profit of € 3,875 m at the end of September 2025 , which represents a year-on- year growth of 4.5 %, explained mainly by the favorable evolution of the net interest income. The most relevant aspects of the year-on-year changes in the income statement as of the end of September 2025 are summarized below: – Net interest income increased by