Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0000842180-25-000002
Chunk: 31

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 31
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     | 54,506 |     |        49,117 |     |           36,410 |     |          353,678 |     |           10,237 |     |         — |

Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails.

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At December 31, 2024, the number of Group's employees stood at 125,916, an increase of 3.6% compared to the previous year, as a result mainly of the hiring of technological profiles in all geographical areas.

Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails.

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#### Spain

#### Highlights
#### •

Growth in both lending and customer funds during the year

#### •

Relevant efficiency improvement in 2024, supported by the gross margin performance

#### •

Improvement in NPL and NPL coverage ratios both in the quarter and in the year

#### •

### Outstanding results
Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails.

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| FINANCIAL STATEMENTS AND RELEVANT BUSINESS INDICATORS (MILLIONS OF EUROS AND PERCENTAGE)  |     |        |     |      |     |          |
| Income statement                                                                          |     |   2024 |     |  ∆ % |     | 2023 ⁽¹⁾ |
| Net interest income                                                                       |     |  6,435 |     | 14.5 |     |    5,620 |
| Net fees and commissions                                                                  |     |  2,329 |     |  7.7 |     |    2,164 |
| Net trading income                                                                        |     |    675 |     | 64.9 |     |      409 |
| Other operating income and expenses                                                       |     |     50 |     | n.s. |     |     -305 |
| Of which: Insurance activities                                                            |     |    379 |     |  5.4 |     |      360 |
| Gross income                                                                              |     |  9,490 |     | 20.3 |     |    7,888 |
| Operating expenses                                                                        |     | -3,349 |     |  4.8 |     |   -3,195 |
| Personnel