Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000033
Chunk: 73

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 73
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<div align='center'>56</div>

## Item 5B. Liquidity and Capital Resources
We believe that our working capital is sufficient for our present requirements and to pursue our planned business strategies. See Note 6.3 to the Unaudited Condensed Interim Consolidated Financial Statements and our 2024 Form 20-F for information on the BBVA Group’s liquidity and capital resources. Certain additional information is provided below.

#### Customer deposits
Customer deposits (including “Financial liabilities at amortized cost - Customer deposits”, “Financial liabilities designated at fair value through profit or loss – Customer deposits” and “Financial liabilities held for trading – Customer deposits”) amounted to €468,509 million as of June 30, 2025 compared with €468,590 million as of December 31, 2024. The period-on-period decrease was due mainly to the depreciation, in terms of period-end exchange rates, of the currencies of the main countries where the Group operates, partially offset by the increase in Turkish lira-denominated time deposits and, to a lesser extent, U.S. dollar-denominated time deposits in Turkey and, to a much lesser extent, the increase in deposits from public institutions (through repurchase agreements) and credit institutions in Spain, and increases in demand deposits from public institutions in Mexico.

Our customer deposits, excluding repurchase agreements, amounted to €437,275 million as of June 30, 2025, a 0.5% decrease compared with €439,469 million as of December 31, 2024.

Short-term customer deposits at amortized cost amounted to € 423,688 million as of June 30, 2025 , or 90.4% of our total customer deposits, compared to 90.9% of our total customer deposits as of December 31, 2024 (see Note 21.3 to the Unaudited Condensed Interim Consolidated Financial Statements).

Deposits from credit institutions and central banks

The following table shows amounts due to credit institutions and central banks as of June 30, 2025 and 2024 and as of December 31, 2024:

|                                   |     |        As of June 30, |     |        | As of December 31, |     |        | As of June 30, |     |        |
|                                   |     |                  2025 |     |        |               2024 |     |        |           2024 |     |