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Jun 30
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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.
BBVA
BBVA
BBVA Revenue by Geographic Location
Revenue by Geographic Location
Spain Revenue
CapyFin.comMexico Revenue
CapyFin.comTurkey Revenue
CapyFin.comSouth America Revenue
CapyFin.comRest of Business Revenue
CapyFin.com 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.
- Uncertainty around macroeconomic environment.