Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001193125-25-257753
Chunk: 5

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 5
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 GROUP (€M)9M25const.% Net Interest Income19,24612.62.0 Net Fees and Commissions6,07116.65.5 Net Trading Income1,962-25.6-33.0 Other Income & Expenses-143-91.0-89.7 Gross Income27,13616.23.7 Operating Expenses-10,36011.01.7 Operating Income16,77619.75.0 Impairment on Financial Assets-4,32812.01.1 Provisions and Other Gains and Losses-155n.s.n.s. Income Before Tax12,29221.65.5 Income Tax-3,83219.24.7 Non-controllingInterest-483102.232.1 Net Attributable Profit7,97819.84.7 Note: 9M24 includes annual Spanish banking tax of -285€M. 9M25 includes Spanish banking tax accrual of -224€M. p. 8

3Q25 EARNINGS Remarkable Growth Trend in Revenues NET INTEREST INCOME (CONSTANT €M) +18.3% +7.1% 5,747 6,050 6,102 6,347 6,797 3Q24 4Q24 1Q25 2Q25 3Q25 NII growth driven by strong activity and effective rates lock-instrategies NET TRADING INCOME (CONSTANT €M) -46.1%+8.6% 1,030 877 894 512 556 3Q24 4Q24 1Q25 2Q25 3Q25 Positive quarterly evolution. Annual decrease explained by strong gains from P&L hedges linked to the Mexican Peso depreciation in 3Q24 NET FEES AND COMMISSIONS (CONSTANT €M) +15.3% +5.8%Positive fee income trend levered on payments and asset management 1,844 2,008 1,935 2,010 2,126 3Q24 4Q24 1Q25 2Q25 3Q25 GROSS INCOME (CONSTANT €M) +10.0% +4.4%Solid gross income growth mainly due to positive core revenues evolution 3Q24 4Q24 1Q25 2Q25 3Q25 8,506 8,553 8