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Banco Bilbao Vizcaya Argentaria (BBVA) investor relations material
Banco Bilbao Vizcaya Argentaria Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net attributable profit for the first nine months of 2025 reached €7,978 million, up 4.7% year-over-year or 19.8% at constant exchange rates, driven by strong recurring revenues and solid business activity.
Tangible book value per share plus dividends rose 17% year-over-year, reflecting strong value creation.
Record customer acquisition with 8.7 million new customers in nine months, 66% via digital channels.
Sustainable business channeling reached €97 billion in nine months, up 48% year-over-year, with a new €700 billion target for 2025-2029.
Shareholder remuneration included a €0.32 interim dividend for 2025 and a share buyback program of nearly €1 billion, with further buybacks pending regulatory approval.
Financial highlights
Net interest income grew 18.3% year-over-year in 3Q25 and 12.6% in nine months, with strong loan growth and effective rate management.
Net fees and commissions increased 16.6% year-over-year in nine months, with Turkey showing standout growth.
Efficiency ratio improved to 38.2%, with operating expenses up 11% in nine months, below average inflation.
Cost of risk at 1.35% in nine months, with NPL ratio at 2.8% and coverage at 84%.
CET1 fully loaded ratio at 13.42%, above the target range, with further regulatory uplift expected.
Outlook and guidance
Loan growth guidance for 2025 remains above mid-single digits for the Group and around 10% for Mexico.
Interest rates in Spain and Mexico expected to stabilize at terminal levels, supporting spread stability.
Strategic plan targets ROTE of ~22% (2025-2028 average), cumulative net attributable profit of ~€48bn (2025-2028), and sustainable business channeling of €700bn by 2029.
Additional positive regulatory impacts of +40-50bps on CET1 expected in Q4.
Cost of risk in Mexico now expected to remain below 340 bps for the year.
Update on additional share buyback authorization
Explain regional NII drivers given rate changes
Reconcile NPL ratio improvement with higher impairment
ECB approval timing for significant buyback?
Spain mortgage strategy and market share impact
Mexico neobank competition strategy
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Next Banco Bilbao Vizcaya Argentaria earnings date
Q4 20255 Feb, 2026
Next Banco Bilbao Vizcaya Argentaria earnings date
Q4 20255 Feb, 2026
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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.
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