Banco Bilbao Viscaya Argentaria ( (BBVA) ) has released its Q3 earnings. Here is a breakdown of the information Banco Bilbao Viscaya Argentaria presented to its investors.
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Banco Bilbao Vizcaya Argentaria (BBVA) is a multinational financial services company based in Spain, primarily engaged in banking and financial services, with a strong presence in digital banking.
BBVA has reported robust financial results for the first nine months of 2025, with a net attributable profit of €7,978 million, marking a 4.7% increase from the previous year. This growth was driven by strong recurring revenues from net interest income and fees, alongside a significant boost in customer acquisition through digital channels.
Key financial metrics include a 13.5% increase in net interest income and fees, a 16.2% rise in gross income, and an impressive efficiency ratio of 38.2%. The bank’s asset quality remains sound with a non-performing loan ratio of 2.8% and a coverage ratio of 84%. BBVA’s capital position is solid, with a CET1 ratio of 13.42%, supporting its shareholder remuneration policies.
BBVA’s strategic focus on sustainability is evident, with €97 billion channeled into sustainable business initiatives in the first nine months of 2025, aiming for a target of €700 billion by 2029. The bank continues to leverage digital tools to enhance customer experience and drive growth.
Looking ahead, BBVA remains committed to its strategic plan for 2025-2029, focusing on customer-centric innovation and sustainable growth, with management optimistic about maintaining its trajectory of profitability and efficiency.