Company: BBVXF
Filing Date: 2025-04-29
Form Type: 6-K
Source: 0000842180-25-000020
Chunk: 27

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-04-29
Form: 6-K
Chunk 27
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#### Year-on-year improvement of the efficiency ratio
#### •

Good behavior of the risk indicators in the quarter

#### •

#### Attributable profit above €1 billion
Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails.

| 28 |

| FINANCIAL STATEMENTS AND RELEVANT BUSINESS INDICATORS (MILLIONS OF EUROS AND PERCENTAGE) |     |       |     |       |     |          |
| Income statement                                                                         |     |  1Q25 |     |   ∆ % |     | 1Q24 ⁽¹⁾ |
| Net interest income                                                                      |     | 1,607 |     |   1.2 |     |    1,587 |
| Net fees and commissions                                                                 |     |   590 |     |   6.8 |     |      552 |
| Net trading income                                                                       |     |   248 |     |  16.7 |     |      212 |
| Other operating income and expenses                                                      |     |    89 |     |  n.s. |     |     -209 |
| Of which: Insurance activities                                                           |     |   103 |     |   6.5 |     |       97 |
| Gross income                                                                             |     | 2,533 |     |  18.2 |     |    2,143 |
| Operating expenses                                                                       |     |  -816 |     |  -0.1 |     |     -817 |
| Personnel expenses                                                                       |     |  -431 |     |   2.9 |     |     -419 |
| Other administrative expenses                                                            |     |  -292 |     |  -3.9 |     |     -304 |
| Depreciation                                                                             |     |   -93 |     |  -1.0 |     |      -94 |
| Operating income                                                                         |     | 1,717 |     |  29.5 |     |    1,325 |
| Impairment on financial assets not measured at fair value through profit or loss         |     |  -139 |     | -15.7 |     |     -164 |
| Provisions or reversal of provisions and other results                                   |     |   -26 |     | -16.8 |     |      -31 |
| Profit (loss) before tax                                                                 |     | 1,553