Company: BBVXF
Filing Date: 2025-04-29
Form Type: 6-K
Source: 0000842180-25-000020
Chunk: 55

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-04-29
Form: 6-K
Chunk 55
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| -                                                                                                                                          |     | Share buyback program ⁽¹⁾              |     |                                               |     |       — |     |        — |     |          |     |      75 |     |          |
|                                                                                                                                            |     | =                                      |     | Tangible book value per share (euros / share) |     |         |     |     9.14 |     |     9.24 |     |         |     |     8.62 |
| ⁽¹⁾ The period January-March 2024 includes the total shares acquired in execution of the share buyback program initiated on March 1, 2024. |     |                                        |     |                                               |     |         |     |          |     |          |     |         |     |          |

#### Non-performing loan (NPL) ratio
It is the ratio between the risks classified for accounting purposes as non-performing loans and the total credit risk balance. It is calculated as follows:

| Non-performing loans |
| Total credit risk    |

Explanation of the formula: non-performing loans and the credit risk balance are gross, meaning they are not adjusted by associated accounting provisions.

Non-performing loans are calculated as the sum of “loans and advances at amortized cost” and the “contingent risk” in stage 3 19 and the following counterparties:

• other financial entities

• public sector

• non-financial institutions

• households.

The credit risk balance is calculated as the sum of "loans and advances at amortized cost" and "contingent risk" in stage 1 + stage 2 + stage 3 of the previous counterparts.

This indicator is shown, as others, at a business area level.

Relevance of its use: this is one of the main indicators used in the banking sector to monitor the current situation and changes in credit risk quality, and specifically, the relationship between risks classified in the accounts as non-performing loans and the total balance of credit risk, with respect to customers and contingent liabilities.

| Non-Performing Loans (NPLs) ratio       |     |   |     |                                   |     |     |          |     |     |          |     |     |          |
|                                         |     |   |     |                                   |     |     | 31-03-25 |     |     | 31-12-24 |     |     | 31-03-24 |
| Numer