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

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 6
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 % +2.2 % +0.6 Spain 16.0% 13.3% % +6.3 % +2.4 9.6% Jun-24 Jun-25 2Q24 1Q25 2Q25 % +9.6 % +1.6 Mexico % % +12.6 +11.7 Jun-24 Jun-25 2Q24 1Q25 2Q25 p. 10

2Q25 EARNINGS Positive jaws and leading efﬁciency ratio POSITIVE JAWS EFFICIENCY RATIO (6M25 YOY, CONSTANT €) (COST-TO-INCOME, % CONSTANT €) -322bps FOOTPRINT 1 INFLATION % % 13.4 +19.6 12M AVERAGE 40.9 % 37.6 +10.2 6M24 6M25 Gross Operating Income Expenses p. 11 (1) Weighted by operating expenses and excluding Venezuela.

2Q25 EARNINGS Asset quality remains stable, better than expectations FINANCIAL ASSETS IMPAIRMENTS NPL (CONSTANT €M) (CURRENT €BN) 1,436 1,402 1,311 1,381 1,326 15.4 15.3 14.8 14.3 14.6 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 2Q24 3Q24 4Q24 1Q25 2Q25 COST OF RISK NPL & COVERAGE RATIOS (%, YTD) (%) 82% 81% 80% 75% 75% 1.42% 1.42% 1.43% COVERAGE 1.30% 1.32 % 3.3% 3.3% 3.0% 2.9% 2.9 % NPL Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 p. 12

2Q25 EARNINGS Sound capital position, with exceptional quarterly evolution CET1 RATIO (%, BPS) ADDITIONAL POSITIVE +25bps REGULATORY IMPACTS c.+40-50bps in 2H25 -37 bps +69 bps % 13.34 -41 bps % +17 bps