Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000033
Chunk: 2

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 2
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 year ended December 31, 2024 filed with the SEC on February 21, 2025.

In this report, “ $ ”, “ US$ ”, “ USD ”, “ U.S. dollars ”, and “ dollars ” refer to United States Dollars and “ € ” and “ euro ” refer to Euro.

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### CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS
This report contains statements that constitute forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the “ Securities Act ”), Section 21E of the U.S. Securities Exchange Act of 1934, as amended (the “ Exchange Act ”), and the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the use of forward-looking terminology such as “believe”, “expect”, “estimate”, “forecast”, “project”, “anticipate”, “should”, “intend”, “probability”, “risk”, “VaR”, “target”, “goal”, “objective”, and “future” or by the use of similar expressions or variations on such expressions, or by the discussion of strategy or objectives. Forward-looking statements are based on current plans, estimates and projections, are not guarantees of future performance and are subject to inherent risks, uncertainties and other factors that could cause actual results to differ materially from the future results expressed or implied by such forward-looking statements. The accompanying information in this report, including, without limitation, the information under the items listed below, identifies important factors that could cause such differences:

• “ Item 4B. Business Overview ”;

• “ Item 4E. Selected Statistical Information ”;

• “ Item 5. Operating and Financial Review and Prospects ”; and

• “ Other Matters ”.

Other important factors that could cause actual results to differ materially from those in forward-looking statements include the factors identified in “ Item 3. Key Information—Risk Factors ”, “ Item 4. Information on the Company ”, “ Item 5. Operating and Financial Review and Prospects ” and “ Item 11. Quantitative and Qualitative Disclosures About Market Risk ” in the 2024 Form 20-F.

Other important factors that could cause actual results to differ materially from those expressed or implied by f orward-looking statements include, among others:

• the deterioration of economic conditions or the alteration of the institutional environment of the countries