Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0001193125-25-016657
Chunk: 16

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 16
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2022 2023 2026 2027 2024 2025 Takeaways Outlook

2024 Earnings 30 2024 Takeaways Signiﬁcant progress in Delivering exceptional Growing our franchise the execution of our value creation for our with industry-leading strategy centered on stakeholders proﬁtability and innovation, digitization efﬁciency and sustainability We have clearly Net Attributable Proﬁt Signiﬁcant Increase outperformed our follows a very positive of Shareholder ambitious 2021-24 trend Distributions strategic plan goals

2024 Earnings 31 2025 Outlook SPAIN MEXICO GROUP Loans: loan growth at low to mid Loans: growth at high single single digit, outperforming the digit market ROTE at high teens, similar to NII: grow slightly below NII: slight decline, supported by activity growth 2024 activity and price management Expenses: growing slightly Fees: low single digit growth below 2024. Efﬁciency at Efﬁciency ratio around 40% current levels Expenses: slight growth, less than inﬂation. Efﬁciency c.36% CoR at around 350 bps CoR at or slightly below 38 bps SOUTH AMERICA TURKEY Net Proﬁt close to 1 billion €, with CoR: below 270 bps a better second half of the year CoR: around 180 bps Note: Mexico guidance in constant €. Turkey macro assumptions, with the latest BBVA Research estimates, as follows: FX end of period: 48.10 TRY/€, Inﬂation (end of period): 26,5%, CBRT interest rate (end of period): 31%

2024 Earnings 32 Annex CET1 Sensitivity to market Net Attributable Proﬁt 01 07 impacts evolution CET1 evolution YtD & RWAs by Gross Income breakdown 02 08 business area Book Value of the main P&L Accounts by business unit 03 09 subsidiaries 04 Customer spread by country TBV per share & dividends 10 evolution Stages breakdown by business 05 area MREL 11 ALCO portfolio, NII sensitivity 06 and LCRs & NSFRs Digital metrics 12

2024 Earnings 33 Net Attributable Proﬁt evolution

2024 Earnings 34 Business Areas Contribution to Group's NAP 4Q24