Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001193125-25-257749
Chunk: 4

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 4
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 and 3.13 percent, respectively. In Mexico, lending activity grew by 9.8 percent yoy, with a positive performance of all customer segments, particularly retail. Deposits rose at a similar pace, 10.0 percent, while total customer resources increased 13.7 percent. In the P&L account, activity fostered the growth of core revenues, with an 8.3 percent increase in net interest income, and 6 percent in net fees and commissions. All this contributed to gross income (+8.0 percent). Consequently, efficiency stood at an outstanding 30.5 percent. Cumulative net attributable profit stood at €3.88 billion through September, up 4.5 percent more than the same period a year earlier. As for risk indicators, the performance of the cost of risk was noteworthy, which stood at 3.27 percent, a better than expected level. Moreover, the NPL ratio was 2.78 percent and the coverage ratio stood at 123 percent.

| 10.30.2025 |

Lending activity stood out in Türkiyeboth in Turkish lira (+45.3 percent) and foreign currency (16.4 percent). Customer resources also performed strongly: up 34.8 percent in Turkish lira and 21.4 percent in foreign currency. Türkiye posted a net attributable profit of €648 million through September, which compares very favorably from a year earlier ( €433 million), driven by the performance of core revenues and a lower negative impact from hyperinflation. The coverage ratio stood at 78 percent, while the NPL ratio was 3.69 percent. The cumulative cost of risk stood at 1.76 percent, in line with expectations. In South America, lending performed strongly (+15.6 percent), boosted by the wholesale portfolio. Customer funds also grew at a similar pace (+15.7 percent). The region contributed €585 million to the BBVA Group in the first nine months of the year (+24.1 percent at current exchange rates). Argentina earned €104 million as a result of a lower adjustment for hyperinflation compared to 2024; Colombia contributed €122 million and Peru €227 million. Both Colombia and Peru showed a solid risk performance. Consequently, the cumulative cost of risk in the region performed in line with expectations, standing at 2.43 percent, with coverage ratio at 93 percent and NPL ratio of 4.1 percent. Finally, the Rest of Businessarea contributed €481 million