BVL:BBVA 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	31,760	32,749	25,441	20,730	18,269
Non-Interest Income Growth	-3.02%	28.73%	22.73%	13.47%	13.55%
Revenues Before Loan Losses	36,931	35,481	29,542	24,743	21,066
Provision for Credit Losses	12,202	11,374	8,772	3,227	3,000
Revenue	24,729	24,107	20,770	21,516	18,066
Revenue Growth (YoY)	2.58%	16.07%	-3.47%	19.10%	113.70%
Compensation Expenses	7,773	7,659	6,530	5,601	5,046
Selling, General & Admin	17,849	17,661	15,280	3,773	3,249
Other Non-Interest Expenses	1,929	1,787	1,852	1,752	2,151
Total Non-Interest Expense	27,551	27,107	23,662	11,126	10,446
Pretax Income	16,227	15,405	12,419	10,268	7,247
Provision for Income Taxes	5,100	4,830	4,003	3,505	1,909
Net Income	10,511	10,054	8,019	6,358	4,653
Minority Interest in Earnings	615	521	397	405	965
Earnings From Discontinued Operations	-	-	-	-	280
Net Income to Common	10,511	10,054	8,019	6,358	4,653
Net Income Growth	4.54%	25.38%	26.13%	36.64%	256.55%
Shares Outstanding (Basic)	5,748	5,769	5,954	6,189	6,945
Shares Outstanding (Diluted)	5,748	5,769	5,954	6,189	6,945
Shares Change (YoY)	-0.36%	-3.11%	-3.80%	-10.88%	-25.50%
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	33,248	-30,592	3,108	17,400	-12,427
Free Cash Flow Growth	-	-	-82.14%	-	-
Free Cash Flow Per Share	5.78	-5.30	0.52	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	44.99%	43.87%	40.52%	31.43%	31.10%
FCF Margin	134.45%	-126.90%	14.96%	80.87%	-68.79%
EBITDA	1,521	1,533	1,403	1,328	1,234
EBITDA Margin	6.15%	6.36%	6.75%	6.17%	6.83%
Effective Tax Rate	31.43%	31.35%	32.23%	34.14%	26.34%

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