Banco Bilbao Vizcaya Argentaria, S.A. filed a Form 6-K with the U.S. Securities and Exchange Commission for the month of October 2026, disclosing consolidated financial results for the January-September 2026 period.

Key Highlights

  • Net attributable profit: The BBVA Group reported cumulative net attributable profit of €9,066 million for the first nine months of 2026, up 13.6% from €7,978 million in the same period of 2025.
  • Net interest income: Net interest income rose 20.8% year-on-year to €23,243 million as of September 30, 2026.
  • Total assets: Consolidated total assets reached €986,191 million as of September 30, 2026, a 21.3% increase from €813,063 million a year earlier.
  • CET1 capital ratio: The CET1 ratio stood at 12.21% as of September 30, 2026, on a preliminary basis, compared with 13.42% at September 30, 2025.
  • Share price: The BBVA share price was €24.81 as of September 30, 2026, up 51.8% from €16.34 a year earlier, with market capitalization of €136,725 million.
  • Active customers: The number of active customers reached 84.0 million as of September 30, 2026, an increase of 4.9% compared with 80.1 million at September 30, 2025.
  • Operating expenses and provisions: Operating expenses increased by 17.4% and provisions for impairment on financial assets grew by 25.8% compared with the cumulative balances as of September 30, 2025.

BBVA Group Financial Performance: January-September 2026

According to the filing, the BBVA Group's cumulative net attributable profit of €9,066 million for the first nine months of 2026 was "supported by the strong performance of recurring revenues from the banking business." Net interest income grew 20.8% year-on-year, while net fees and commissions increased 13.8%, with the filing noting "a particularly strong evolution of payment systems fees." Gross income reached €32,072 million, up 18.2%, and operating income came in at €19,903 million, a rise of 18.6%. The efficiency ratio improved to 37.9% from 38.2% in the same period of 2025.

On the balance sheet, the filing reported loans and advances to customers (gross) of €540,767 million as of September 30, 2026, a 20.7% increase from €447,901 million a year prior. The company disclosed that loans and advances to customers increased 14.6% year-to-date, driven by corporate loans growing 19.9% at the Group level and loans to individuals rising 6.8%. Customer funds registered an increase of 7.7% year-to-date, with time deposits growing 20.7% and mutual funds rising 8.3% at the Group level. Deposits from customers totaled €539,563 million, up 14.5% year-on-year.

By business area, and excluding exchange rate fluctuations unless otherwise specified, the filing indicated Spain generated net attributable profit of €3,106 million, Mexico achieved €4,522 million (up 8.4%), Turkey reached €789 million, South America produced €821 million (up 42.1% at current exchange rates), and Rest of Business recorded €801 million (up 58.5%). The Corporate Center posted a net attributable loss of €-974 million, which the filing attributed to higher personnel expenses. Corporate and Investment Banking generated net attributable profit of €3,082 million for the first nine months of 2026. The number of employees stood at 127,216 as of September 30, 2026.

What Was Disclosed

BBVA filed its consolidated quarterly report for January-September 2026 via Form 6-K, disclosing key income statement, balance sheet, capital, credit risk, and business-area metrics as of and for the nine months ended September 30, 2026. Capital ratios are described as preliminary data.