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Jun 30, 2025
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BBVA Q2 2025 Earnings Report
BBVA reported solid earnings with strong profitability and capital generation in Q2 2025.
Key Takeaways
BBVA delivered robust performance in 2Q25, reporting €2.75B in net income and strong EPS of €0.46, driven by solid revenue growth and disciplined cost management despite a lower rate environment.
Net income reached €2.75B, reflecting resilience in core operations.
EPS remained strong at €0.46 amid lower trading income.
Efficiency ratio improved to 37.6%, showcasing cost discipline.
CET1 ratio strengthened to 13.34%, exceeding target range.
Revenue by Geographic Location
Forward Guidance
BBVA expects continued revenue growth, solid loan performance and strong capital distribution capabilities, despite some market and macroeconomic uncertainties.
Positive Outlook
- Loan growth expected to outperform market in Spain.
- NII projected to grow at high single digit globally.
- Efficiency expected to remain at FY24 levels or improve.
- Cost of risk guidance maintained below 350 bps globally.
- Around €13B capital available for distribution.
Challenges Ahead
- Pressure from declining interest rates in core markets.
- Trading income volatility may affect gross income.
- High provisioning needs in retail segments (e.g., Turkey).
- FX depreciation remains a challenge in South America.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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