Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0001193125-25-169879
Chunk: 10

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 10
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581 Other Commercial % +12.6 % Income Tax 12.8 -4.1 -7.1 9.6 Off-BS Funds +17.8 -491 -1,003 Net Attributable Proﬁt 1,265 4.9 -3.6 2,578 -9.8 6.3 % Public sector +0.9 (1) Performing loans and Cust.Funds under management, excluding repos, according to local GAAP. KEY RATIOS ー Solid loan growth both in retail (+2.9% QoQ), and commercial (+1.1% ex- CUSTOMER SPREAD (%) ASSET QUALITY RATIOS (%) Fx QoQ), supported by strong new loan origination (+15% YoY in 2Q25). Yield on ー Strong NII increase (+2.1% QoQ), driven by lending growth. loans Coverage ー Robust operating income (+2.1% QoQ), supported by revenues growth Customer and well-contained costs. Outstanding efﬁciency ratio at 30.6% 6M25. NPL spread Ratio ー Impairments increase mainly due to IFRS 9 macro adjustment. CoR Cost of stands at 324 bps in 6M25, below FY guidance. CoR deposits (YtD) p. 18 2Q24 1Q25 2Q25 2Q24 1Q25 2Q25

2Q25 EARNINGS BUSINESS AREAS Turkey Δ Current (%) PROFIT & LOSS Δ Current (%) ACTIVITY (JUN-25; CONSTANT €BN; BANK ONLY) vs. 2Q24 vs. 1Q25 vs. 6M24 (CURRENT €M) 2Q25 6M25 2 2 Net Interest Income 605 84.9 -13.7 1,307 116.0 LENDING CUST.FUNDS Net Fees and Commissions 508 5.5 -7.5 1,058 16.9 Net Trading Income 98 -65.8 -21.0 221 -63.2 1 YoY 1 Other Income & Expenses -69 -30.8 -35.2 -177 -19.4 YoY % +15.9 Of which: % +38.1 FC Time Net Monetary Position (NMP) loss -44.5 -148 -57.0