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Report of foreign issuer [Rules 13a-16 and 15d-16]

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 6-K

REPORT OF FOREIGN ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of October, 2015

Commission file number: 1-10110

BANCO BILBAO VIZCAYA ARGENTARIA, S.A.

(Exact name of Registrant as specified in its charter)

BANK BILBAO VIZCAYA ARGENTARIA, S.A.

(Translation of Registrants name into English)

Calle Sauceda, 28

28050 Madrid

Spain

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F x Form 40-F ¨

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):

Yes ¨ No x

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):

Yes ¨ No x

10.30.2015

January September 2015

Results: BBVA posts profit of 2.82 billion (+45.9% y-o-y) excluding corporate operations

BBVA earned 2.82 billion in the first nine months of 2015, up 45.9% in y-o-y terms, without considering the one-off impacts from corporate deals closed so far this year (partial sale of CNCB and sale of CIFH and acquisitions of Catalunya Banc and of a 14.89% stake in Garanti). After factoring in these impacts, net profit totaled 1.7 billion, down 11.8% from a year earlier.

In such a complex environment, double-digit income growth rates testify to the BBVA Groups growth capacity and recurrence of results, said BBVA President & COO Carlos Torres Vila.

The results BBVA presents today stand out for the strong recurring revenues of the banking business net interest income plus commissions and fees. Furthermore, after adding the increased stake in Garanti to the banks accounts, quarterly gross income grew to a record 5.98 billion, up 14.5%. The evolution of operating expenses , which grew more slowly than gross income between January and September, also had a positive impact, as did the decline in loan-loss and real-estate provisions, mostly in Spain .

10.30.2015

To describe the cumulative results between January and September, we must bear in mind the changes in the scope of consolidation aforementioned. Furthermore, the valuation at fair value of the 25.01% stake that BBVA already held in Garanti, had a negative accounting impact, without a cash outflow, of 1.84 billion.

Between January and September, net interest income (NII) increased 10.5% in y-o-y terms to 12.01 billion. Stripping out the currency effect, NII rose 19.4%. The double-digit growth rates reflect the dynamic activity in emerging countries and of the United States, as well as the decline in the cost of deposits in Spain. All of this shows BBVAs ability to generate recurring revenues in historically low interest-rate environments.

Trading income in the last three months was affected by market volatility. Still, in the cumulative accounts up to September, gross income totaled 17.53 billion (+12.5% y-o-y). At constant exchange rates, gross income rose 14.8%.

The y-o-y growth of operating expenses in the first nine months of the year remained below that of gross income, despite the high inflation in some regions and the cost of integration of Catalunya Banc in Spain. Therefore, the efficiency ratio improved at the...


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