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Banco Bilbao Viscaya Argentaria (BBVA) Financials

Banco Bilbao Viscaya Argentaria logo
$29.61 +0.45 (+1.54%)
As of 03:58 PM Eastern
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Annual Income Statements for Banco Bilbao Viscaya Argentaria

Annual Income Statements for Banco Bilbao Viscaya Argentaria

This table shows Banco Bilbao Viscaya Argentaria's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -8,090 12,540 4,446 6,180 3,037 2,182 5,266 6,802 8,871 10,407 12,336
Consolidated Net Income / (Loss)		 3,616 4,937 5,714 7,127 4,876 2,517 6,358 7,235 9,310 10,946 13,057
Net Income / (Loss) Continuing Operations		 -8,090 12,540 4,446 15,264 2,102 1,258 13,440 13,343 12,735 13,867 17,158
Total Pre-Tax Income 		-8,090 12,540 8,326 14,459 8,083 6,411 12,951 13,654 12,362 13,682 16,881
Total Revenue		 -8,090 12,540 15,497 -13,355 23,490 23,717 7,530 28,997 41,682 45,809 53,034
Net Interest Income / (Expense)		 -9,519 11,202 21,332 -13,355 17,720 17,826 -1,508 20,459 36,491 39,647 46,972
Total Interest Income		 0.00 0.00 0.00 0.00 31,156 27,351 7,919 33,626 63,882 77,317 84,604
Investment Securities Interest Income		 - - - - 31,156 27,351 7,919 33,626 17,266 20,154 22,619
Other Interest Income		 - - - - - - - - 46,616 57,162 61,985
Total Interest Expense		 9,519 -11,202 -13,859 13,355 13,436 9,525 9,427 13,168 27,391 37,669 37,631
Long-Term Debt Interest Expense		 9,519 -11,202 -13,859 13,355 13,436 9,525 9,427 13,168 27,391 37,669 37,631
Total Non-Interest Income		 1,429 1,338 1,638 0.00 5,770 5,892 9,037 8,538 5,190 6,162 6,062
Net Realized & Unrealized Capital Gains on Investments		 - - 1,638 - - - 2,020 -1,449 967 1,542 545
Other Non-Interest Income		 1,429 1,338 - - - 254 3,882 1,150 4,223 4,620 5,517
Provision for Credit Losses		 - - - - - - 1,152 - 413 205 438
Total Non-Interest Expense		 0.00 0.00 7,893 -27,814 17,402 20,629 -6,423 15,343 28,991 32,261 36,210
Salaries and Employee Benefits		 - - 7,893 - 6,005 5,735 5,711 3,090 7,223 7,928 9,122
Other Operating Expenses		 - - - -27,814 9,841 13,320 -14,068 10,768 15,289 16,793 18,207
Depreciation Expense		 - - - - 1,555 1,573 1,397 1,421 1,552 1,587 1,785
Amortization Expense		 - - - - - - 45 - -24 18 -21
Impairment Charge		 - - - - - - 250 65 4,933 5,940 7,116
Other Special Charges		 - - - - - - 242 - 19 -5.18 1.17
Nonoperating Income / (Expense), net		 - - - - - -48 151 0.00 84 338 495
Other Gains / (Losses), net		 - - -5,770 806 -3,986 - 489 -311 373 185 277
Net Income / (Loss) Discontinued Operations		 - - - - - - 317 - 0.00 0.00 0.00
Other Adjustments to Consolidated Net Income / (Loss)		 - - - - - - -2,161 0.00 -4,428 -5,000 -5,985
Weighted Average Basic Shares Outstanding		 - - 6.67B 6.67B 6.67B 6.67B 6.67B 6.03B 5.84B 5.76B 5.71B
Weighted Average Diluted Shares Outstanding		 - - 6.67B 6.67B 6.67B 6.67B 6.67B 6.03B 5.84B 5.76B 5.71B
Weighted Average Basic & Diluted Shares Outstanding		 - - 6.67B 6.67B 6.67B 6.67B 6.67B 6.03B 5.84B 5.76B 5.71B

Quarterly Income Statements for Banco Bilbao Viscaya Argentaria

No quarterly income statements for Banco Bilbao Viscaya Argentaria are available.

Annual Cash Flow Statements for Banco Bilbao Viscaya Argentaria

This table details how cash moves in and out of Banco Bilbao Viscaya Argentaria's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 7,608 5,117 2,017 17,758 -15,592 39,806 -10,287 36,634 2,214 -25,123 9,027
Net Cash From Operating Activities		 3,661 5,017 7,141 15,378 -4,756 54,377 -6,425 25,637 7,408 -17,131 15,516
Net Cash From Continuing Operating Activities		 3,661 5,017 7,141 10,055 -4,756 54,377 -6,425 25,637 7,408 -17,131 15,516
Net Income / (Loss) Continuing Operations		 3,616 4,937 5,714 7,127 4,876 2,517 6,358 0.00 0.00 10,946 13,057
Consolidated Net Income / (Loss)		 3,616 4,937 5,714 7,127 4,876 2,517 6,358 - - 10,946 13,057
Depreciation Expense		 - - - 1,183 1,555 1,573 1,397 - - 1,587 1,785
Non-Cash Adjustments to Reconcile Net Income		 45 80 8,703 1,744 26,604 121,031 21,863 7,432 10,697 59,943 116,557
Changes in Operating Assets and Liabilities, net		 - - -7,276 - -37,792 -70,743 -36,043 18,205 -3,289 -89,607 -115,884
Net Cash From Investing Activities		 3,947 100 0.00 8,602 -8,325 -6,494 -609 12,792 -4,800 -758 -681
Net Cash From Continuing Investing Activities		 3,947 100 0.00 -1,448 -8,325 -6,494 -609 12,792 -4,800 -758 -681
Purchase of Investment Securities		 - - - -172 -8,325 -6,494 -609 - - -758 -681
Net Cash From Financing Activities		 0.00 0.00 0.00 5,828 -3,033 -2,528 -4,922 0.00 0.00 -2,657 -4,311
Net Cash From Continuing Financing Activities		 0.00 0.00 0.00 -5,129 0.00 0.00 -4,922 0.00 0.00 -2,657 -4,311
Other Financing Activities, Net		 - - - - - - -4,922 - - -2,657 -4,311
Effect of Exchange Rate Changes		 - - -5,125 - -712 -5,690 -2,110 -308 -395 -2,164 -2,583
Cash Income Taxes Paid		 - - - - 1,798 2,388 1,750 - - 5,829 3,906

Quarterly Cash Flow Statements for Banco Bilbao Viscaya Argentaria

No quarterly cash flow statements for Banco Bilbao Viscaya Argentaria are available.

Annual Balance Sheets for Banco Bilbao Viscaya Argentaria

This table presents Banco Bilbao Viscaya Argentaria's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 814,751 769,913 828,930 773,317 780,499 896,410 750,253 761,796 857,922 799,513 1,008,798
Cash and Due from Banks		 31,816 42,121 51,269 - 49,769 80,027 77,338 85,801 83,278 52,557 68,686
Interest Bearing Deposits at Other Banks		 -118,031 -103,350 0.00 - -66,314 -58,983 -53,487 -63,984 -99,307 -55,948 -68,728
Trading Account Securities		 38,024 38,086 228,862 101,979 139,666 161,196 142,292 94,188 97,506 93,122 113,363
Loans and Leases, Net of Allowance		 475,292 453,320 505,508 428,264 486,433 443,330 439,934 449,076 526,397 498,522 640,083
Loans and Leases		 475,292 453,320 505,508 428,264 486,433 443,330 439,934 449,076 526,397 498,522 640,083
Customer and Other Receivables		 - - 0.00 - -431,194 -418,596 -395,859 -421,933 -457,399 -463,358 -589,735
Premises and Equipment, Net		 495 770 234 8,087 11,017 9,285 8,044 9,030 10,007 9,839 10,851
Goodwill		 7,513 7,298 7,282 16,589 5,561 1,112 926 756 879 725 839
Intangible Assets		 3,408 2,997 13,053 2,442 2,256 1,753 1,561 1,550 1,735 1,853 2,512
Other Assets		 178,610 568,459 527,727 109,626 567,319 630,308 512,314 516,373 606,275 585,849 754,117
Total Liabilities & Shareholders' Equity		 1,407,389 1,338,202 828,930 773,317 915,695 1,132,184 900,913 847,901 934,539 855,053 1,082,394
Total Liabilities		 754,685 711,602 764,876 712,802 718,859 835,305 695,067 707,753 796,788 737,393 936,272
Non-Interest Bearing Deposits		 438,271 422,341 65,487 430,301 12,014 12,662 20,009 12,881 26,458 21,679 32,366
Long-Term Debt		 89,075 80,347 70,678 69,943 77,008 81,006 66,956 20,102 21,289 11,234 9,932
Capital Lease Obligations		 0.00 0.00 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Long-Term Liabilities		 844,532 800,597 173,011 156,251 857,199 1,090,534 852,405 847,590 919,062 852,971 1,079,597
Total Equity & Noncontrolling Interests		 35,510 34,917 64,054 60,515 -30,527 -52,018 -38,457 -32,672 -32,270 -30,831 -39,501
Total Preferred & Common Equity		 25,378 24,929 18,213 72,492 -37,486 -58,702 -43,950 -36,548 -36,213 -35,343 -44,713
Total Common Equity		 25,378 24,929 18,213 45,033 -37,486 -58,702 -43,950 -36,548 -36,213 -35,343 -44,713
Accumulated Other Comprehensive Income / (Loss)		 -5,176 -4,667 -18,522 11,700 -29,676 -45,155 -45,299 -37,697 -37,049 -36,209 -45,051
Other Equity Adjustments		 2,622 3,231 4,286 103 -11,476 -17,537 1,349 1,149 836 865 338
Noncontrolling Interest		 10,132 9,988 19,831 6,597 6,959 6,683 5,493 3,876 3,942 4,512 5,212

Quarterly Balance Sheets for Banco Bilbao Viscaya Argentaria

This table presents Banco Bilbao Viscaya Argentaria's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q4 2023 Q4 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 761,796 857,922 799,513
Cash and Due from Banks		 85,801 83,278 52,557
Interest Bearing Deposits at Other Banks		 -63,984 -99,307 -55,948
Trading Account Securities		 94,188 97,827 93,492
Loans and Leases, Net of Allowance		 449,076 526,397 498,522
Loans and Leases		 449,076 526,397 498,522
Customer and Other Receivables		 -421,933 -457,399 -463,358
Premises and Equipment, Net		 9,030 10,007 9,839
Goodwill		 756 879 725
Intangible Assets		 1,550 1,735 1,853
Other Assets		 516,373 606,537 586,073
Total Liabilities & Shareholders' Equity		 847,901 947,935 866,419
Total Liabilities		 707,753 796,788 737,393
Non-Interest Bearing Deposits		 12,881 26,458 21,679
Long-Term Debt		 20,102 21,289 11,234
Capital Lease Obligations		 0.00 0.00 0.00
Other Long-Term Liabilities		 847,590 932,458 864,337
Total Equity & Noncontrolling Interests		 -32,672 -32,270 -30,831
Total Preferred & Common Equity		 -36,548 -36,213 -35,343
Total Common Equity		 -36,548 -36,213 -35,343
Accumulated Other Comprehensive Income / (Loss)		 -37,697 -37,049 -36,209
Other Equity Adjustments		 1,149 836 865
Noncontrolling Interest		 3,876 3,942 4,512

Annual Metrics And Ratios for Banco Bilbao Viscaya Argentaria

This table displays calculated financial ratios and metrics derived from Banco Bilbao Viscaya Argentaria's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.53 $0.00 $0.67 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 6.67B 6.67B 6.67B 0.00 6.67B 6.03B 5.84B 5.76B 5.71B
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.26 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 6.67B 6.67B 6.67B 0.00 6.67B 6.03B 5.84B 5.76B 5.71B
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1.26 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 6.67B 6.67B 6.67B 0.00 6.67B 6.03B 5.84B 5.76B 5.71B
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Banco Bilbao Viscaya Argentaria

No quarterly metrics and ratios for Banco Bilbao Viscaya Argentaria are available.


Financials Breakdown Chart

Key Financial Trends

Banco Bilbao Vizcaya Argentaria’s balance sheet expanded significantly in 2023 but contracted in 2024. Total assets increased from $761.8 billion in 2022 to $857.9 billion in 2023, then declined to $799.5 billion in 2024. Despite the latest decrease, assets remained approximately 5% above 2022 levels.

The loan portfolio followed a similar pattern. Loans and leases rose 17% to $526.4 billion in 2023 before falling 5% to $498.5 billion in 2024. The 2024 reduction may indicate slower credit demand, portfolio repositioning, or the impact of currency movements, although loans remained about 11% higher than in 2022.

  • Long-term debt declined sharply: Long-term debt fell from $21.3 billion in 2023 to $11.2 billion in 2024, reducing refinancing needs and potentially lowering funding costs.
  • Loan balances remained above 2022 levels: Net loans and leases of $498.5 billion in 2024 were still approximately 11% higher than the $449.1 billion reported in 2022, supporting the bank’s core earning-asset base.
  • Accumulated other comprehensive losses improved: AOCI improved from a loss of $37.7 billion in 2022 to $36.2 billion in 2024, which modestly reduced pressure on reported equity.
  • Noncontrolling interests increased: Noncontrolling interest rose from $3.9 billion in 2022 to $4.5 billion in 2024, indicating a larger contribution from partially owned subsidiaries.
  • Asset growth reversed in 2024: Total assets fell 6.8% year over year after rising 12.6% in 2023. This signals a smaller balance sheet, but the effect on profitability depends on whether lower assets reflect disciplined risk management or weaker business activity.
  • Trading securities were relatively stable: Trading account securities remained near $94 billion to $98 billion across the period, suggesting limited change in the size of this market-sensitive asset category.
  • Non-interest-bearing deposits remained elevated: These deposits increased from $12.9 billion in 2022 to $26.5 billion in 2023, then eased to $21.7 billion in 2024. The two-year increase could provide a relatively low-cost funding source, although the 2024 decline warrants monitoring.
  • Cash and due from banks decreased substantially: Cash declined from $85.8 billion in 2022 to $52.6 billion in 2024, a reduction of roughly 39%. Lower liquidity can improve asset efficiency, but it may also reduce the bank’s immediate funding cushion.
  • Loan balances declined in 2024: The 5.3% decrease in loans and leases from 2023 could weigh on future interest income if the contraction persists.
  • The supplied balance-sheet data contains material inconsistencies: Several line items are reported with negative values, including interest-bearing deposits, customer receivables and total common equity. In addition, total assets do not reconcile with total liabilities and equity, while “other long-term liabilities” exceeds total liabilities. These apparent standardization or sign errors limit the reliability of leverage, liquidity and capital-ratio conclusions.

Overall, the data points to a bank with a smaller balance sheet in 2024, a still-substantial loan base and materially lower reported long-term debt. However, the decline in cash and loans creates areas to watch, while the inconsistent equity and liability classifications mean investors should rely on BBVA’s official filing and reported regulatory capital ratios before drawing conclusions about solvency or balance-sheet strength.

09/03/26 10:00 PM ETAI Generated. May Contain Errors.

Banco Bilbao Viscaya Argentaria Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Banco Bilbao Viscaya Argentaria's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Banco Bilbao Viscaya Argentaria's net income appears to be on an upward trend, with a most recent value of $13.06 billion in 2025, rising from $3.62 billion in 2015. The previous period was $10.95 billion in 2024. Check out Banco Bilbao Viscaya Argentaria's forecast to explore projected trends and price targets.

Over the last 10 years, Banco Bilbao Viscaya Argentaria's total revenue changed from -$8.09 billion in 2015 to $53.03 billion in 2025, a change of -755.5%.

Banco Bilbao Viscaya Argentaria's total liabilities were at $936.27 billion at the end of 2025, a 27.0% increase from 2024, and a 24.1% increase since 2015.

In the past 10 years, Banco Bilbao Viscaya Argentaria's cash and equivalents has ranged from $0.00 in 2018 to $85.80 billion in 2022, and is currently $68.69 billion as of their latest financial filing in 2025.


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Financial statements for NYSE:BBVA last updated on 2/22/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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