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BBVA reported resilient 3Q25 results with net attributable profit of €2,531 million, down 3.7% year over year at constant terms and 8.0% quarter over quarter, as lower trading income offset strong core revenue. Net interest income rose 18.3% versus 3Q24 at constant currency and fees grew 15.3%, supporting gross income growth.
Capital and efficiency strengthened: CET1 ratio reached 13.42% (+8 bps vs. June), above the 11.5%–12.0% target range, and the efficiency ratio improved to 38.2% for 9M25. Cost of risk stood at 1.35% year to date with stable non‑performing loan trends. Total loan growth was up 16.0% versus September 2024 at constant terms, reflecting continued franchise momentum.
Year-to-date performance was robust with 9M25 net attributable profit of €7,978 million, up 19.8% year over year. The company announced a share buyback of approximately €1 billion starting tomorrow and a record interim dividend of €0.32 per share payable on November 7. BBVA added 8.7 million new customers in 9M25 and channeled €97 billion in sustainable business.
BBVA reported record nine-month results, with net attributable profit of €7.98 billion through September, up 4.7% reported and +19.8% in constant euros. Growth was powered by lending (+16% in constant euros) and core revenues, as net interest income rose to €19.25 billion (+12.6%) and fees reached €6.07 billion (+16.6%), taking core revenues to €25.32 billion (+13.5%). Gross income was €27.14 billion (+16.2%), while expenses grew 11%, improving the efficiency ratio to 38.2%.
Profitability remained high with ROTE at 19.7% and ROE at 18.8%. Asset quality was resilient: cost of risk was 135 bps, with an NPL ratio of 2.8% and coverage of 84%. Capital stayed strong as the CET1 ratio reached 13.42%, above the 11.5–12% target range.
Shareholder returns are accelerating: on Oct. 31 BBVA will begin a €993 million share buyback; on Nov. 7 it will pay an interim dividend of €0.32 per share (about €1.84 billion); and, pending ECB authorization, it plans a significant additional buyback. Regional highlights included net profit of €3.14 billion in Spain and €3.88 billion in Mexico.
BBVA reported solid 9M 2025 performance with net attributable profit of €7,978m, up 4.7% year over year and 19.8% at constant FX. Recurring banking revenues drove results, while the efficiency ratio improved to 38.2% as income outpaced costs.
Balance-sheet growth remained healthy: gross customer loans reached €447,901m (+12.6% y/y) and total customer funds €687,781m (+10.7% y/y). Asset quality was resilient with an NPL ratio of 2.8% and cost of risk at 1.35%. Capital stayed strong; the CET1 ratio was 13.42%, comfortably above the 9.13% requirement.
By area, net profit was €3,139m in Spain, €3,875m in Mexico, €648m in Turkey, €585m in South America, and €481m in Rest of Business. Shareholder returns included a €0.41 final 2024 dividend (paid Apr 10, 2025) and an announced interim dividend of €0.32 per share (to be paid Nov 7, 2025), plus a €993m share buyback expected to start Oct 31, 2025.
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) announced it will present its results for 3Q 2025 on October 30, 2025 at 9:30 a.m. (Madrid Time).
The presentation will be streamed on www.bbva.com, with a recording available on the site for at least one month.
BBVA said its takeover bid for Banco Sabadell will not proceed after shareholders representing 25.5 percent of voting rights accepted, below the minimum threshold. With the bid lapse, BBVA will accelerate shareholder distributions. On October 31, it will begin executing a pending share buyback of around €1 billion. On November 7, it will pay an interim dividend of €0.32 per share, totaling €1.8 billion. After authorization from the European Central Bank, it plans a significant additional share buyback.
Reaffirming its 2025–2028 Strategic Plan, BBVA targets ROTE around 22 percent and an efficiency ratio around 35 percent, and aims for growth in tangible book value per share plus dividends of about 15 percent CAGR. The bank also aims for approximately €48 billion in cumulative attributable profit over four years and expects to have €36 billion to distribute to shareholders through 2028, with about €13 billion available in the near term.
Banco Bilbao Vizcaya Argentaria (BBVA) has asked the Spanish securities regulator (CNMV) to approve an amendment to its voluntary takeover offer for all shares of Banco de Sabadell. The board decided on September 21, 2025 to improve the consideration offered, moving from one BBVA share plus €0.70 in cash for every 5.5483 Sabadell shares to a new exchange ratio of one newly issued BBVA ordinary share for every 4.8376 Sabadell ordinary shares.
The request, submitted on September 22, 2025, includes a prospectus supplement and an independent expert report supporting the improved terms, as required under Royal Decree 1066/2007. The detailed amended terms will be set out in the prospectus supplement once the CNMV grants authorization.
Banco Bilbao Vizcaya Argentaria (BBVA) disclosed merger-related financial assumptions and estimated benefits tied to a proposed combination with Banco Sabadell. The filing cites post-tax synergies and shows Banco Sabadell net income of €1.6 billion (Capital Markets Day 2025) and BBVA average net income of €12 billion for 2025–2028 (2Q25 webcast). The combined-entity shares outstanding assume BBVA’s €1 billion buyback (announced Apr.25) is executed post-closing and that proceeds from the TSB sale and an extraordinary dividend are reinvested in shares, with modeling based on a €16.41 per-share BBVA price (Sep.19,2025) and a 100% take-up.
The filing estimates transaction effects on capital of -21 basis points at closing, turning into +40 basis points after the TSB sale and extraordinary dividend are completed. It projects recurring benefits of €5.4 billion per year following the merger and notes BBVA agreed to remedies with the CNMC to support SMEs and self-employed customers to help preserve credit volumes.
Banco Bilbao Vizcaya Argentaria (BBVA) has changed the terms of its voluntary tender offer for all shares of Banco de Sabadell. The offer, previously a mix of BBVA shares plus 0.70 euros in cash for each 5.5483 Sabadell shares, will become an entirely share-based deal. The new exchange ratio is one newly issued BBVA ordinary share for every 4.8376 Banco de Sabadell ordinary shares.
BBVA’s Board of Directors has also decided it will not make any further improvements to the offer terms and will not extend the acceptance period once it resumes after the amendment is authorized by the Spanish securities regulator (CNMV). BBVA plans to submit the amendment request, a prospectus supplement, and an independent expert report on September 22, 2025.
Banco Bilbao Vizcaya Argentaria, S.A. had its 1.125% Fixed Rate Senior Preferred Notes due 2025 removed from listing and/or registration on the New York Stock Exchange. The exchange filed a Form 25, stating it has complied with its own rules to strike this class of securities from listing and withdraw their registration under Section 12(b) of the Securities Exchange Act of 1934. The filing also notes that the issuer has complied with the exchange’s rules and the requirements of 17 CFR 240.12d2-2(c) governing the voluntary withdrawal of this class of notes from listing and registration.