Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047351
Chunk: 10

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 10
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 and commissions. Among the business areas, Turkey´s performance continues to stand out above the others.

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

| January - September 2025Report - p.13 |

Thus, overall recurring banking business revenues grew by 13.5 % compared to the first nine months of 2024.

| NET INTEREST INCOME / AVERAGE TOTALASSETS (PERCENTAGE AT CONSTANTEXCHANGE RATES) |

| NET INTEREST INCOME PLUS NET FEES ANDCOMMISSIONS (MILLIONS OF EUROS ATCONSTANT EXCHANGE RATES) |

| +13.5% | -1 |

| 22,298 |     | 25,317 |

⁽¹⁾ At current exchange rates: +2.9%. The NTI reported a 25.6 % year-on-year decrease at the end of September 2025 , mainly due to the lower results of Turkey and the Corporate Center. The other operating income and expenses line accumulated, as of September 30, 2025 , a significantly improved result compared to the same period of the previous year. This is due to a lower negative impact in the period January-September 2025 derived from the hyperinflation in Argentina and Turkey compared with the same period of 2024, as well as to the recording in Spain in the first quarter of 2024 of the total annual amount of the temporary tax on credit institutions and financial credit establishments for € 285 m. On the other hand, the results of the insurance business, also included in this line, had a positive evolution.

| GROSS INCOME (MILLIONS OF EUROS ATCONSTANT EXCHANGE RATES) |

| +16.2% | -1 |

| 23,352 |     | 27,136 |

⁽¹⁾ At current exchange rates: +3.7%. Thanks to the solid evolution in gross income, which increased by 16.2 %, well above the rate of growth in operating expenses, ( +11.0%) , the efficiency ratio fell to 38.2 % as of September 30, 2025 , which represents an improvement of 178 basis points compared to the ratio as of September 30, 2024, at constant exchange rates.

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

| January - September