Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001193125-25-257753
Chunk: 10

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 10
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CO contribution. Solid fees performance despite summer seasonality. Operating expenses remained well contained (+1.3% QoQ, excl. 2Q one-offrelated with VAT payment). Sound risk metrics. CoR at 34 bps, in line with expectations. p. 19

3Q25 EARNINGS BUSINESS AREAS PROFIT & LOSS Ä Constant (%)Ä CurrentÄ Constant (%)(%) (CONSTANT €M) 3Q25vs. 3Q24vs. 2Q259M25vs. 9M24vs. 9M24 Net Interest Income2,8787.23.38,393-4.28.3 Net Fees and Commissions5855.32.61,730-6.36.0 Net Trading Income170-14.6-7.1570-5.96.3 Other Income & Expenses137-4.4-14.34300.914.0 Gross Income3,7705.21.911,124-4.48.0 Operating Expenses-1,1419.71.9-3,389-2.710.0 Operating Income2,6303.41.97,735-5.27.2 Impairment on Financial Assets-7923.3-1.2-2,279-3.39.4 Provisions and Other Gains and Losses-3575.862.6-6978.9102.2 Income Before Tax1,8032.62.65,387-6.65.6 Income Tax-5077.03.2-1,511-3.88.7 Net Attributable Profit1,2961.02.43,875-7.64.5 KEY RATIOS CUSTOMER SPREAD (%)ASSET QUALITY RATIOS (%) COST TO Yield onINCOME loans(%) (YtD) Coverage30.5 Customer spreadNPL RatioRoRWA (%) (YtD, CONSTANT) deposits Cost ofCoR5.73 (YtD) 3Q242Q253Q253Q242Q253Q25 ACTIVITY (SEP-25;CONSTANT €BN) LENDING1 CUST.FUNDS1 YoY YoY +9.8% +13.7% +8.1% Mortgages Demand % +8.8 Deposits Consumer +14.6% Credit Cards +13.9% % +16.5 Time SMEs +16.9% Deposits