Banco Bilbao Vizcaya Argentaria (BBVA) Q2 2026 Fixed income presentation earnings summary

Global presence and financial performance

• Operates in 27 countries with 126,994 employees and 5,555 branches, serving 82.8 million active customers.

• Net attributable profit for 6M26 reached €6,051 million, with a CET1 ratio FL of 12.90%.

• Loans and advances to customers totaled €532,981 million, with customer deposits at €522,544 million.

• Total assets amounted to €965,426 million as of June 2026.

Diversified business model and market leadership

• Holds leading market positions: #1 in Mexico, #2 in Turkey and Peru, #3 in Spain, #4 in Colombia, #2 in Argentina.

• Spain accounts for 51% of total assets and 32% of net attributable profit; Mexico 20% of assets and 44% of profit.

• Subsidiaries are self-sufficient in liquidity and funding.

Profitable and resilient business mix

• Lending mix is diversified: 53% commercial, 30% CIB, 20% mortgages, 17% consumer & credit cards.

• Deposit base is stable and transactional, with 73% demand deposits.

• Maintains strong pre-provision profit, best-in-class efficiency, and outperforms peers in profitability (ROTE 22.2%).