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Banco Bilbao Vizcaya Argentaria
Banco Bilbao Vizcaya Argentaria (BBVA) investor relations material
Banco Bilbao Vizcaya Argentaria Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
9M26 net attributable profit reached €9,066m, up 13.6% reported and 11.4% at constant FX; Q3 profit was €3,015m, up 19.1% at constant exchange rates.
Recurring banking revenue rose 17.0% at constant FX; lending growth supported revenue, while higher expenses and impairments weighed on results.
9M ROTE was 22.0% and ROE 20.8%; full-year ROTE guidance was raised to above 21%.
Financial highlights
9M26 gross income was €32,072m, up 18.2% reported; operating income was €19,903m, up 18.6%.
9M26 NII was €23,243m, up 20.8% reported and 17.8% at constant FX; net fees were €6,909m, up 13.8% reported and 14.5% at constant FX.
Operating expenses increased 17.4% reported; financial-asset impairments rose 25.8% to €5,444m, while stronger recurring income offset cost increases.
Adjusted EPS was €1.60, up 19.9%; reported EPS was €1.57, up 17.5%. Q3 EPS was €0.52, up 23.9% YoY.
Outlook and guidance
Full-year ROTE guidance rose to above 21%; management expects to exceed its 2025–2028 financial goals.
2025–2028 goals include ~22% average ROTE, ~€48bn cumulative net attributable profit, ~35% efficiency ratio and mid-teens TBV-plus-dividend CAGR, excluding buybacks.
Turkey FY26 cost-of-risk guidance was ~220 bps; Spain’s cost of risk remained within FY guidance.
Sustainable business channeling target is €700bn for 2025–2029; cumulative channeling reached €254bn through September 2026.
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Next Banco Bilbao Vizcaya Argentaria earnings date
Q4 20264 Feb, 2027
Banco Bilbao Vizcaya Argentaria
Next Banco Bilbao Vizcaya Argentaria earnings date
Q4 20264 Feb, 2027
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Frequently asked questions
Banco Bilbao Vizcaya Argentaria S.A. is a multinational financial services group providing retail, corporate, and investment banking, asset management, and insurance services. It operates primarily in Spain, Mexico, Turkey, South America, and the United States. The company is headquartered in Bilbao, Spain, and its shares are listed on the BME.