Slide 1: BBVA Group 1Q25
BBVA BBVA Group 1Q25
Slide 2: Disclaimer
BBVA Corporate Presentation | 2 | Disclaimer This document is only provided for information purposes and is not intended to provide financial advice and, therefore, does not constitute, nor should it be interpreted as, an offer to sell, exchange or acquire, or an invitation for offers to acquire secu
Slide 3: About BBVA
BBVA Corporate Presentation | 3 | About BBVA BBVA’s GLOBAL PRESENCE FINANCIAL HIGHLIGHTS MARCH 2025 MARCH 2025 Net attributable profit 3M25 CET 1 2.7 BN€ 13.09% Total assets Deposits from customers 772,863 M€ 455,708 M€ Countries Branches Employees Active Clients Loans and advances to customers (gros
Slide 4: Our purpose: Support your drive to go further
BBVA Corporate Presentation | 4 | Our purpose: “Support your drive to go further” OUR VALUES Customer We think We are comes first big one team
Slide 5: Our new strategic priorities will strengthen our leadership position
BBVA Corporate Presentation | 5 | Our new strategic priorities will strengthen our leadership position Radically adopting the Grow in all Strengthening customer business our empathy, perspective segments succeeding as a winning team Promote a Promoting mindset that sustainability Maximizing creates
Slide 6: A well-diversified footprint with leading franchises
BBVA Corporate Presentation | 6 | A well-diversified footprint with leading franchises BREAKDOWN BY BUSINESS AREA STRONG POSITION RANKING AND MARKET SHARE (%)2 Rest of Business South America 8% TOTAL Turkey 9% Spain SPAIN # 3 14.1% ASSETS1 51% 11% MAR.25 Mexico MEXICO # 1 25.4% 21% TURKEY # 2 19.6% R
Slide 7: 1Q25 key messages
BBVA Corporate Presentation | 7 | 1Q25 key messages NET INTEREST INCOME TOTAL LOAN GROWTH1 STRONG NET INTEREST INCOME 1 GROWTH DRIVEN BY ACTIVITY +8.5% vs. 1Q24 +15.1% vs. MAR 2024 CONSTANT CONSTANT NET FEES AND COMMISSIONS EXCELLENT FEE INCOME 2 EVOLUTION +19% vs. 1Q24 CONSTANT LEADING AND IMPROVIN
Slide 8: Keeping good traction in customer acquisition
BBVA Corporate Presentation | 8 | Keeping good traction in customer acquisition NEW CUSTOMERS1 (BBVA GROUP, MILLION; % ACQUISITION THROUGH DIGITAL CHANNELS) TOTAL DIGITAL 66% DIGITAL 24% 1Q20 1Q21 1Q22 1Q23 1Q24 1Q25 (1) Gross customer acquisition through own channels for retail segment. Excludes th
Slide 9: Positive impact on society through our activity
BBVA Corporate Presentation | 9 | Positive impact on society through our activity BBVA GROUP LOAN GROWTH1 INCLUSIVE GROWTH FINANCING +15.1 39,000 FAMILIES BOUGHT % (YOY, CONSTANT €) 240,000 SMEs AND 70,000 LARGER CORPORATES 6.4 €BN MOBILIZED THEIR HOME2 SELF - EMPLOYED INVESTED IN GROWTH3 IN 1Q25 BO
Slide 10: Sustainability as a business opportunity and a growth driver
BBVA Corporate Presentation | 10 | Sustainability as a business opportunity and a growth driver SUSTAINABLE BUSINESS (CHANNELING, € BILLION) BY CUSTOMER SEGMENT 2029 (€ BN) 2028 NEW SUSTAINABLE BUSINESS TARGET YoY 29 +55% €700Bn 2027 2.8 Retail +85% 2026 2025 2024 19 1.5 10.8 Enterprises +58% 2023 2
Slide 11: 1Q25 Results
BBVA Presentación Institucional | 11 | 1Q25 Results
Slide 12: 1Q25 Profit & Loss
BBVA Corporate Presentation | 12 | 1Q25 Profit & Loss Change Change 1Q25/1Q24 1Q25/4Q24 % % BBVA Group 1Q25 const. % const. % Net Interest Income 6,398 8 -2 2 0 Net Fees and Commissions 2,060 19 9 -3 -8 Net Trading Income 948 40 23 2 -4 Other Income & Expenses -82 n.s. n.s. n.s. n.s. Gross Income 9,3
Slide 13: Business Areas: Spain and Mexico
BBVA Corporate Presentation | 13 | Business Areas SPAIN MEXICO (€M 3M25. CHANGE IN % vs. 3M24) (CONSTANT €M 3M25. CHANGE IN % vs. 3M24) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 1,717 €M 1,024 €M 2,561 €M 1,332 €M 3M25 vs. 3M24 3M25 vs. 3M24 Net Interest Incom
Slide 14: Business Areas: Turkey and South America
BBVA Corporate Presentation | 14 | Business Areas TURKEY SOUTH AMERICA (€M 3M25. CHANGE IN % vs. 3M24) (€M 3M25. CHANGE IN % vs. 3M24) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 690 €M 158 €M 803 €M 218 €M 3M25 vs. 3M24 Net Attributable Profit 3M25 vs. 3M24 Net
Slide 15: Business Areas: Corporate & Investment Banking
BBVA Corporate Presentation | 15 | Business Areas OTHER INFORMATION: CORPORATE & INVESTMENT BANKING BUSINESS ACTIVITY CLIENT’S REVENUE RESULTS (CONSTANT €M CHANGE YTD) (CONSTANT €M CHANGE vs. 3M24) (CONSTANT €M CHANGE vs. 3M24) GROSS INCOME LENDING 1,335 €M +16% 95€Bn +4.6% 1,711 €M +36.0% OPERATING
Slide 16: Takeaways
BBVA Corporate Presentation | 16 | Takeaways Outstanding shareholder value creation and profitability metrics Another excellent quarter in profit and capital generation Remarkable core revenues evolution on the back of activity growth Industry leading efficiency levels with clear focus on costs Continu
Slide 17: Annex
BBVA Presentación Institucional | 17 | Annex
Slide 18: BBVA had significant growth since 1995
BBVA Corporate Presentation | 18 | BBVA had significant growth since 1995 MORE THAN 165 YEARS OF HISTORY Banco Continental (Perú) 1995 Probursa (Mexico) 2007 Compass (USA) 2016 Sale of CNCB´s 1.12% (China) Sale of GarantiBank Moscow AO (Moscow) Banco Ganadero (Colombia) 2008 Extended CNCB agreement (
Slide 19: BBVA's shareholders structure (Mar.25)
BBVA Corporate Presentation | 19 | BBVA’s shareholders structure (Mar.25) # BBVA SHARES # SHAREHOLDERS 5,763 M 690,635 Shareholders Shares NUMBER OF SHARES Amount % Amount % Up to 500 301,609 43.7 55,002,009 1.0 501 to 5,000 305,358 44.2 541,214,969 9.4 Retail 5,001 to 10,000 44,984 6.5 315,297,202
Slide 20: Organizational chart
BBVA Corporate Presentation | 20 | Organizational chart (1) Reporting to the CEO and to the Chair (for topics related to sustainability strategy and transformation) (2) Reporting channel to CEO for Argentina, Colombia, Peru, Venezuela and Uruguay, as well as monitoring of all countries, including Sp
Slide 21: BBVA
BBVA