BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
For the period ended Sep 30, 2026. Filed Oct 29, 2026.
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Sep 30, 2026 · Filed Oct 29, 2026
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6-K 1 quarterlyreport_3q26xsec.htm 6-K
UNITED STATES SECURITIES AND EXCHANGE
COMMISSION
WASHINGTON, D.C. 20549
FORM 6-K
REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16
UNDER THE SECURITIES EXCHANGE ACT OF 1934
For the month of October, 2026
Commission file number: 1-10110
BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
(Exact name of Registrant as specified in its charter)
BANK BILBAO VIZCAYA ARGENTARIA, S.A.
(Translation of Registrant’s name into English)
Calle Azul, 4
28050 Madrid
Spain
(Address of principal executive offices)
Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:
| Form 20-F [X] | Form 40-F [ ] |
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Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):
| Yes [ ] | No [X] |
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Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):
| Yes [ ] | No [X] |
|---|
Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails . p.1
| Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails. | p.2 |
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January - September 2026 Report
Main data
| BBVA GROUP MAIN DATA (CONSOLIDATED FIGURES) | ||||
|---|---|---|---|---|
| 30-09-26 | ∆ % | 30-09-25 | 31-12-25 | |
| Balance sheet (millions of euros) | ||||
| Total assets | 986,191 | 21.3 | 813,063 | 859,576 |
| Loans and advances to customers (gross) | 540,767 | 20.7 | 447,901 | 472,697 |
| Deposits from customers | 539,563 | 14.5 | 471,364 | 502,501 |
| Total customer funds | 782,741 | 13.8 | 687,794 | 726,866 |
| Total equity | 62,568 | 1.2 | 61,809 | 61,798 |
| Income statement (millions of euros) | ||||
| Net interest income | 23,243 | 20.8 | 19,246 | 26,280 |
| Gross income | 32,072 | 18.2 | 27,136 | 36,931 |
| Operating income | 19,903 | 18.6 | 16,776 | 22,599 |
| Net attributable profit (loss) | 9,066 | 13.6 | 7,978 | 10,511 |
| The BBVA share and share performance ratios | ||||
| Number of shares outstanding (million) | 5,511 | (4.4) | 5,763 | 5,709 |
| Share price (euros) | 24.81 | 51.8 | 16.34 | 20.05 |
| Adjusted earnings (loss) per share (euros) ⁽¹⁾ | 1.60 | 19.9 | 1.33 | 1.78 |
| Earnings (loss) per share (euros) ⁽¹⁾ | 1.57 | 17.5 | 1.33 | 1.76 |
| Book value per share (euros) ⁽¹⁾ | 10.54 | 5.2 | 10.02 | 10.19 |
| Tangible book value per share (euros) ⁽¹⁾ | 9.95 | 4.2 | 9.55 | 9.69 |
| Market capitalization (millions of euros) | 136,725 | 45.2 | 94,172 | 114,465 |
| Profitability and efficiency ratios (%) | ||||
| ROE (net attributable profit (loss)/average shareholders' funds +/- average accumulated other comprehensive income) ⁽¹⁾ | 20.8 | 18.8 | 18.4 | |
| ROTE (net attributable profit (loss)/average shareholders' funds excluding average intangible assets +/- average accumulated other comprehensive income) ⁽¹⁾ | 22.0 | 19.7 | 19.3 | |
| RORC (net attributable profit (loss)/average regulatory capital) ⁽¹⁾ | 23.1 | 21.4 | 21.1 | |
| ROA (profit (loss) for the period / average total assets - ATA) ⁽¹⁾ | 1.4 | 1.4 | 1.4 | |
| RORWA (profit (loss) for the period / average risk-weighted assets - RWA) ⁽¹⁾ | 3.1 | 2.8 | 2.8 | |
| Efficiency ratio ⁽¹⁾ | 37.9 | 38.2 | 38.8 | |
| Credit risk indicators (%) | ||||
| Cost of risk ⁽¹⁾ | 1.44 | 1.35 | 1.39 | |
| NPL ratio ⁽¹⁾ | 2.6 | 2.8 | 2.7 | |
| NPL coverage ratio ⁽¹⁾ | 84 | 84 | 85 | |
| Capital adequacy ratios (%) ⁽²⁾ | ||||
| CET1 ratio | 12.21 | 13.42 | 12.70 | |
| Tier 1 ratio | 13.70 | 14.81 | 14.08 | |
| Total capital ratio | 16.57 | 17.75 | 17.21 | |
| Other information | ||||
| Number of active customers (million) ⁽³⁾ | 84.0 | 4.9 | 80.1 | 81.3 |
| Number of shareholders ⁽⁴⁾ | 648,520 | (3.2) | 669,979 | 657,193 |
| Number of employees | 127,216 | 0.2 | 126,997 | 127,174 |
| Number of branches | 5,517 | (2.5) | 5,657 | 5,642 |
| Number of ATMs | 30,881 | 0.9 | 30,600 | 31,015 |
| ⁽¹⁾ For more information, see the Alternative Performance Measures in this report. | ||||
| ⁽²⁾ Preliminary data as of 30-09-2026. | ||||
| ⁽³⁾ 2025 data has been revised due to the homogenization of computation criteria in the different countries or changes in the origin of information provisioning, which would include the reorganization of the active client databases. | ||||
| ⁽⁴⁾ See footnote to table of structural distribution of shareholders in the Capital and shareholders chapter of this report. | ||||
| Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails. | p.3 |
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January - September 2026 Report
Contents
| Highlights | 4 |
|---|---|
| Macroeconomic environment | 9 |
| Group | 10 |
| Results | 10 |
| Balance sheet and business activity | 17 |
| Capital and shareholders | 19 |
| Risk management | 26 |
| Business areas | 35 |
| Spain | 38 |
| Mexico | 42 |
| Turkey | 46 |
| South America | 51 |
| Rest of Business | 57 |
| Corporate Center | 61 |
| Other pro forma information: Corporate & Investment Banking | 62 |
| Alternative Performance Measures (APMs) | 66 |
| Legal disclaimer | 75 |
| Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails. | p.4 |
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January - September 2026 Report
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