Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000030
Chunk: 41

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 41
---
46 |

South America Highlights – Growth in lending activity and customer funds – Significantly lower year-on-year hyperinflation adjustment in Argentina – Decrease in loan loss provisions and improvement of risk indicators – Increase in the area's half-year attributable profit

| BUSINESS ACTIVITY ⁽¹⁾ (VARIATION AT CONSTANTEXCHANGE RATES COMPARED TO 31-12-24) |

⁽¹⁾ Excluding repos.

| NET INTEREST INCOME / AVERAGE TOTALASSETS (PERCENTAGE AT CONSTANT EXCHANGERATES) |

| OPERATING INCOME (MILLIONS OF EUROS ATCURRENT EXCHANGE RATES) |

| +8.2% | -1 |

| 1,405 |     | 1,521 |

⁽¹⁾ At constant exchange rates: +45.3%.

| NET ATTRIBUTABLE PROFIT (LOSS) (MILLIONS OFEUROS AT CURRENT EXCHANGE RATES) |

| +33.0% | -1 |

| 317 |     | 421 |

⁽¹⁾ At constant exchange rates: +128.8%.

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

| January - June 2025Report - p.47 |

| FINANCIAL STATEMENTS AND RELEVANT BUSINESS INDICATORS (MILLIONS OF EUROS AND PERCENTAGE) |        |       |         |        |
| Income statement                                                                         |   1H25 |   ∆ % | ∆ % ⁽¹⁾ |   1H24 |
| Net interest income                                                                      |  2,382 | -22.5 |    -8.8 |  3,075 |
| Net fees and commissions                                                                 |    417 |   1.9 |    12.4 |    410 |
| Net trading income                                                                       |    319 | -18.6 |    -7.8 |    391 |
| Other operating income and expenses                                                      |   -404 | -67.3 |   -66.0 | -1,236 |
| Gross income                                                                             |  2,714 |   2.9 |    26.7 |  2,639 |
| Operating expenses                                                                       | -1,194 |  -3.2 |     9.0 | -1,234 |
| Personnel expenses                                                                       |   -528 |  -6.6