Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000030
Chunk: 37

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 37
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. This was offset by flat fee income, a decline in NTI due to the lower results of Global Markets and growth in loan-loss provisions, affected by higher requirements from the updated macroeconomic scenario and the growth in the retail portfolio.

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

| January - June 2025Report - p.42 |

Turkey Highlights – Increase in lending activity and customer funds – Growth in net interest income supported by activity growth – Lower year-on-year impact from hyperinflation – Favorable evolution of the attributable profit

| BUSINESS ACTIVITY ⁽¹⁾ (VARIATION AT CONSTANTEXCHANGE RATE COMPARED TO 31-12-24) |

⁽¹⁾ Excluding repos.

| NET INTEREST INCOME / AVERAGE TOTALASSETS (PERCENTAGE AT CONSTANT EXCHANGERATE) |

| OPERATING INCOME (MILLIONS OF EUROS ATCURRENT EXCHANGE RATE) |

| +35.2% |

| 983 |     | 1,329 |

| NET ATTRIBUTABLE PROFIT (LOSS) (MILLIONS OFEUROS AT CURRENT EXCHANGE RATE) |

| +17.3% |

| 351 |     | 412 |

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

| January - June 2025Report - p.43 |

| FINANCIAL STATEMENTS AND RELEVANT BUSINESS INDICATORS (MILLIONS OF EUROS AND PERCENTAGE) |        |       |         |       |
| Income statement                                                                         |   1H25 |   ∆ % | ∆ % ⁽¹⁾ |  1H24 |
| Net interest income                                                                      |  1,307 | 116.0 |   174.7 |   605 |
| Net fees and commissions                                                                 |  1,058 |  16.9 |    51.4 |   905 |
| Net trading income                                                                       |    221 | -63.2 |   -52.4 |   601 |
| Other operating income and expenses                                                      |   -177 | -19.4 |   -56.2 |  -219 |
| Gross income                                                                             |  2,409 |  27.3 |    94.9 | 1,892 |
| Operating expenses                                                                       | -1,080 |