Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0001193125-25-016657
Chunk: 8

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 8
---
 18 -14 -7

2024 Earnings 15 Activity growth in Spain and Mexico provide resiliency for the future LOANS CUSTOMER FUNDS TOTAL GROWTH KEY SEGMENTS TOTAL GROWTH OFF BALANCE SHEET (YOY, CURRENT €) (YOY DEC-24, CURRENT €) (YOY, CURRENT €) (YOY DEC-24, CURRENT €) +11.8% +6.3% +6.8% +5.2% SPAIN +4.1% +2.1% -0.9% Consumer + Mid-sized DEC-23 DEC-24 Off-BS Funds Credit Cards companies DEC-23 DEC-24 TOTAL GROWTH KEY SEGMENTS TOTAL GROWTH OFF BALANCE SHEET (YOY, CONSTANT €) (YOY DEC-24, CONSTANT €) (YOY, CONSTANT €) (YOY DEC-24, CONSTANT €) MEXICO +19.8% +23.7% +15.6% +15.8% +13.2% +11.6% +10.6% Off-BS Funds DEC-23 DEC-24 DEC-23 DEC-24 Consumer + SMEs Credit Cards Note: Performing loans and Cust.Funds under management, excluding repos, according to local GAAP.

2024 Earnings 16 We have leading franchises that continue gaining momentum in market share 1 LOAN MARKET SHARES (TOTAL LOAN MARKET SHARE AND YOY COMPARISON) SPAIN MEXICO TURKEY Var. 24/23 Var. 24/23 Var. 24/23 +28bps +87bps +55bps 2019 2024 2019 2024 2019 2024 COLOMBIA PERU ARGENTINA Var. 24/23 Var. 24/23 Var. 24/23 +0bps +137bps +114bps 2019 2024 2019 2024 2019 2024 (1) Loan market shares based on latest available data vs. year-end Dec’19. Var. 24/23 compares YoY market shares. Turkey market share among private banks.

2024 Earnings 17 Positive jaws and leading efﬁciency POSITIVE JAWS EFFICIENCY RATIO (2024 YOY, CONSTANT €) (COST-TO-INCOME, % CONSTANT €) -226 bps FOOTPRINT 1 INFL