Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0001193125-25-169879
Chunk: 15

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 15
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ly CIB business in US, Europe & Asia and digital banks (Italy, Germany)

2Q25 EARNINGS MEDIUM - TERM STRA TEGIC OBJECTIVES Strong CET1 generation expected to 1 enable signiﬁcant capital distribution CET1 SOURCES (EURO, BILLIONS) c.€49 Bn 2 EXCESS CET1 ABOVE 12% as of DEC’24 4.5 CET1 GENERATION 2025-2028 39 3 SRTs 2025-2028 5 CET1 USES (EURO, BILLIONS) c.€49 Bn 4 INVESTED FOR GROWTH 13 AVAILABLE FOR DISTRIBUTION €36 Bn ORDINARY DISTRIBUTION (max. 50% payout) 24 2, 5 EXCESS CAPITAL 12 (1) Capital accumulation from 2025-2028 in current €. The use of this capital can extend beyond the indicated period. (2) Includes the 1Bn€ SBB announced in Jan’25 pending to be executed in 2025. p. 29 (3) Total RWAs release of 39Bn€ * 12% (upper part of our target range). (4) RWAs variation *12% (upper part of our target range) (5) Excess capital calculated with a CET1 ratio = 12%. Note: Pending approval from the governing bodies and subject to mandatory regulatory approvals. Estimated ﬁgures 2025-2028.

Annex 1 P&L Accounts by business unit 6 RWAs by business area 2 7 Customer spread by country Book Value of the main subsidiaries 3 8 Stages breakdown by business area MREL 4 9 ALCO portfolio, NII sensitivity and LCRs & NSFRs Digital metrics 5 10 CET1 Sensitivity to market impacts Medium-term strategic plan macro assumptions

1 P&L Accounts by business unit Rest of Business Corporate Center Turkey Argentina Colombia Peru (hyperinﬂation (hyperinﬂation adjustment) adjustment)

2Q25 EARNINGS ANNEX - P&L ACCOUNTS BY BUSINESS UNIT Rest of Business Δ (%) Δ (%) PROFIT & LOSS (€M) 2Q25 6M25 vs. 2Q24 vs. 1Q25 vs. 6M24 Net Interest Income 184 3.4 -3.9 376 12.0 Net Fees