Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001193125-25-257753
Chunk: 12

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 12
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242Q253Q25 ACTIVITY (SEP-25;CONSTANT €BN; BANK ONLY) LENDING2CUST.FUNDS2 YoY1 YoY1 +21.4% FC Time+97.6% FC+16.4% +45.3%FC Demand+13.8% TL Commercial+28.0%+34.8% TL Time +33.7% TL Retail+55.0% TL Demand+39.6% (1) FC (foreign currency) evolution excluding FX impact. (2) Performing loans and deposits under management, excluding repos, according to local GAAP. TL Loan growth (+10.7% QoQ), primarily driven by retail segments. FC loan growth slowed during the quarter (2.9% QoQ). Strong NII increase in 3Q25, supported by continued activity growth. Robust fee growth, led by payments systems and asset management fees. Impairments increased, reflecting still-elevated provisioning needs in retail and lower wholesale releases. CoR at 176 bps, within guidance. Note: Inflation rate 7.5% in 3Q25 (vs 6.0% 2Q25). Annual inflation down to 33.3% YoY in 3Q25 p. 21 (vs 35.05% 2Q25).

3Q25 EARNINGS BUSINESS AREAS South America NET ATTRIBUTABLE PROFIT (CURRENT €M) Ä Current (%)Ä Current (%) 3Q25vs. 3Q24vs. 2Q259M25vs. 9M24 Colombia4840.520.612233.6 Peru7112.3-2.122731.0 Argentina13-63.5-68.3104-25.0 Other ¹3232.6-37.613392.4 South America1645.8-19.358524.1 (1) Other includes BBVA Forum (Chile), Venezuela and Uruguay. KEY RATIOS CUSTOMER SPREAD (%)COST OF RISK (YTD, %) COST TO INCOME COL(%) (YtD) 43.9 PER RoRWA (%) (YtD, CURRENT) ARG2.27 3Q242Q253Q252Q253Q243Q25 ACTIVITY (SEP-25;CONSTANT €BN) LENDING1CUST.FUNDS1 YoYYoY +15.7% +15