Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0001193125-25-016657
Chunk: 12

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 12
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 on Coverage loans growth across the board and continued market share gains. ▰ Sound core revenues growth (+1.7% QoQ) supported by solid NII and strong fee generation. NPL Customer ▰ Contained expenses growth, leading to an outstanding Ratio spread 35.3% Cost to Income in the year. ▰ Improving asset quality metrics. FY CoR at 38 bps in line CoR with expectations. Cost of (YtD) deposits 4Q23 3Q24 4Q24 4Q23 3Q24 4Q24

2024 Earnings 26 Mexico PROFIT & LOSS (CONSTANT €M) ACTIVITY (DEC-24) (CONSTANT €) €Bn €Bn YoY Δ Constant (%) Δ Current (%) Δ Constant (%) YoY +11.6% 4Q24 vs. 4Q23 vs. 3Q24 12M24 vs. 12M23 vs. 12M23 +15.8% Net Interest Income 3,033 10.1 2.7 11,556 4.5 8.0 Net Fees and Commissions 647 12.9 5.8 2,443 9.7 13.4 Mortgages +9.2% Demand +3.8% Deposits Net Trading Income 177 -1.6 -19.1 767 34.0 38.5 Other Income & Expenses 156 41.9 -1.1 571 37.4 42.0 Consumer +17.0% Gross Income 4,013 10.9 1.8 15,337 7.5 11.1 Credit Cards +13.7% Operating Expenses -1,261 8.5 10.2 -4,648 5.3 8.8 Time SMEs Operating Income 2,752 12.0 -1.6 10,689 8.5 12.1 +19.8% Deposits +9.0% Impairment on Financial Assets -807 25.8 -4.2 -3,098 24.0 28.1 Provisions and Other Gains and Losses -31 34.7 43.7 -69 175.0 184.1 Other Commercial +21.4% Off-BS +23.7% Income Before Tax 1,