BIT:1BBVA Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	26,280	25,267	23,089	19,124	14,686
Net Interest Income Growth	4.01%	9.43%	20.73%	30.22%	0.64%
Non-Interest Income	10,736	10,275	6,493	5,061	6,369
Non-Interest Income Growth	4.49%	58.25%	28.29%	-20.54%	14.26%
Revenues Before Loan Losses	37,016	35,542	29,582	24,743	21,066
Provision for Credit Losses	6,073	5,745	4,428	-	-
Revenue	30,943	29,797	25,154	24,743	21,066
Revenue Growth (YoY)	3.85%	18.46%	1.66%	17.46%	4.46%
Compensation Expenses	-	-	-	5,601	5,046
Selling, General & Admin	12,811	12,660	10,905	3,773	3,249
Other Non-Interest Expenses	32,077	36,391	24,815	12,309	8,329
Total Non-Interest Expense	44,888	49,051	35,720	21,683	16,624
Pretax Income	16,227	15,405	12,419	3,060	4,442
Provision for Income Taxes	5,100	4,830	4,003	-	-
Net Income	10,511	10,054	8,019	3,060	4,442
Net Income to Common	10,511	10,054	8,019	3,060	4,442
Net Income Growth	4.54%	25.38%	162.06%	-31.11%	-2.78%
Shares Outstanding (Basic)	5,748	5,769	5,954	6,189	6,630
Shares Outstanding (Diluted)	5,748	5,769	5,954	6,189	6,630
Shares Change (YoY)	-0.36%	-3.11%	-3.80%	-6.65%	-79.68%
EPS (Basic)	1.76	1.68	1.29	0.98	0.67
EPS (Diluted)	1.76	1.68	1.29	0.98	0.67
EPS Growth	4.76%	30.23%	31.63%	46.27%	378.57%
Free Cash Flow	27,119	-36,221	-1,236	17,400	-15,427
Free Cash Flow Per Share	4.72	-6.28	-0.21	2.81	-
Dividends Per Share	0.920	0.700	0.550	0.430	0.310
Dividend Growth	31.43%	27.27%	27.91%	38.71%	425.42%
Profit Margin	35.96%	35.49%	33.46%	12.37%	21.09%
FCF Margin	87.64%	-121.56%	-4.91%	70.32%	-73.23%
EBITDA	1,521	1,533	1,403	1,328	1,234
EBITDA Margin	4.92%	5.14%	5.58%	5.37%	5.86%
Effective Tax Rate	31.43%	31.35%	32.23%	0.00%	0.00%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.