Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0001193125-25-169879
Chunk: 9

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 9
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 loans ー Remarkable NII growth (+1.0% QoQ) driven by activity, effective price Coverage management, and higher ALCO contribution. Customer NPL Ratio spread ー Operating expenses affected by a one-off related with VAT payment. Cost of ー Sound risk metrics, with CoR at 32 bps, ahead of expectations. deposits CoR (YtD) 2Q24 1Q25 2Q25 2Q24 1Q25 2Q25 p. 17

2Q25 EARNINGS BUSINESS AREAS Mexico Δ Current Δ Constant ACTIVITY (JUN-25; CONSTANT €BN) PROFIT & LOSS Δ Constant (%) (%) (%) (CONSTANT €M) 1 1 vs. 2Q24 vs. 1Q25 vs. 6M24 vs. 6M24 2Q25 6M25 LENDING CUST.FUNDS Net Interest Income 10.2 2.1 5,511 -7.7 8.9 2,784 YoY YoY Net Fees and Commissions 570 6.8 -0.7 1,144 -9.9 6.3 % +15.0 Net Trading Income 16.8 -15.6 0.7 18.8 183 400 % +11.7 Other Income & Expenses 15.6 19.8 6.3 25.3 160 293 % Gross Income 10.2 1.3 -7.1 9.5 3,697 7,349 Mortgages +8.1 Demand % +11.8 Deposits Operating Expenses 8.8 -0.7 -6.5 10.2 -1,119 -2,247 Consumer % +14.7 Operating Income 10.8 2.1 -7.4 9.2 2,578 5,102 Credit Cards % +13.6 Impairment on Financial Assets 17.6 16.7 -4.3 12.8 -800 -1,486 Time % SMEs % +20.1 +19.6 Deposits Provisions and Other Gains and Losses 350.5 59.1 101.7 137.8 -21 -35 Income Before Tax 7.0 -3.8 -9.1 7.2 1,756 3,