Financial Performance Highlights - BBVA Group's Net Attributable Profit for 6M25 reached €5447 million, a 31% increase compared to 6M24[17, 21] - The group's CET1 ratio stands at 1334%, exceeding the target range of 115%-120%[15, 19] - The efficiency ratio for 6M25 is 376%, reflecting positive jaws[19, 33] - Sustainable business channeling reached €63 billion in 6M25[19] Key Growth Drivers - Net Interest Income (NII) increased by 112% compared to 2Q24 on a constant basis[19, 24] - Net Fees and Commissions increased by 177% compared to 2Q24 on a constant basis[19, 26] - Total loan growth increased by 160% compared to June 2024 on a constant basis[19, 32] - The group acquired 57 million new customers in 6M25, driven by digital channels[19, 47] Strategic Outlook - The company expects a ROTE of around 20% and an efficiency ratio below 40%[82] - The company anticipates approximately €36 billion available for distribution from 2025-2028[97]