Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000033
Chunk: 42

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 42
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(1) Point Of Sale.

Fee and commission income increased by 5.9% to €6,514 million for the six months ended June 30, 2025 from the €6,149 million recorded for the six months ended June 30, 2024, primarily due to the increase in payment systems fees (fees related to credit and debit cards, monetary transactions, including traditional transfers and mobile payments, and points of sale (POS)) supported by the increase in the maximum credit card fees banks may charge in Turkey pursuant to the regulation established by the CBRT in November 2024, the increase in the volume of asset management activities in Turkey, and, to a lesser extent, higher payment systems fees and the fees resulting from an increase in asset management activities in Mexico and the increase in the volume of asset management activities and credit card fees in Spain, partially offset by the depreciation in average terms of the currencies of the main countries where the Group operates, except for the Peruvian sol.

Fee and commission expense

The breakdown of fee and commission expense for the six months ended June 30, 2025 and 2024 is as follows:

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|                                    |     | For the six months ended June 30, |     |       |      |     |       |        |
|                                    |     |                              2025 |     |       | 2024 |     |       | Change |
|                                    |     |             -In Millions of Euros |     |       |      |     |       |  -In % |
| Demand accounts                    |     |                                   |     |     4 |      |     |     3 |   41.6 |
| Credit and debit cards and POS (1) |     |                                   |     | 1,696 |      |     | 1,630 |    4.0 |
| Transfers and other payment orders |     |                                   |     |    81 |      |     |    80 |    0.9 |
| Commissions for selling insurance  |     |                                   |     |    27 |      |     |    27 |   -1.2 |
| Custody securities                 |     |                                   |     |    45 |      |     |    42 |    7.9 |
| Other fees and commissions         |     |                                   |     |   651 |      |     |   524 |   24.1