Company: BBVXF
Filing Date: 2025-04-29
Form Type: 6-K
Source: 0000842180-25-000020
Chunk: 42

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-04-29
Form: 6-K
Chunk 42
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 originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails.

| 42 |

### Rest of Business

#### Highlights
#### •

#### Increase in lending and growth in customers funds
#### •

#### Positive behavior of recurring revenues
#### •

#### Good behavior of risk indicators in the quarter
#### •

#### Improvement of the efficiency ratio
Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails.

| 43 |

| FINANCIAL STATEMENTS AND RELEVANT BUSINESS INDICATORS (MILLIONS OF EUROS AND PERCENTAGE) |     |      |     |      |     |         |     |          |
| Income statement                                                                         |     | 1Q25 |     |  ∆ % |     | ∆ % ⁽¹⁾ |     | 1Q24 ⁽²⁾ |
| Net interest income                                                                      |     |  191 |     | 21.8 |     |    21.7 |     |      157 |
| Net fees and commissions                                                                 |     |  137 |     | 56.0 |     |    55.3 |     |       88 |
| Net trading income                                                                       |     |  107 |     | 14.1 |     |    13.7 |     |       94 |
| Other operating income and expenses                                                      |     |    1 |     | 76.8 |     |   122.7 |     |        1 |
| Gross income                                                                             |     |  437 |     | 28.6 |     |    28.3 |     |      339 |
| Operating expenses                                                                       |     | -200 |     | 25.3 |     |    24.8 |     |     -160 |
| Personnel expenses                                                                       |     | -105 |     | 26.9 |     |    26.3 |     |      -82 |
| Other administrative expenses                                                            |     |  -87 |     | 24.3 |     |    24.0 |     |      -70 |
| Depreciation                                                                             |     |   -9 |     | 16.0 |     |    15.6 |     |       -7 |
| Operating income                                                                         |     |  236 |     | 31.6 |     |    31.5 |     |