Company: BBVXF
Filing Date: 2025-09-09
Form Type: 424B3
Source: 0001193125-25-198517
Chunk: 819

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-09
Form: 424B3
Chunk 819
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 in which the Group acts as lessor. |

The income recognised in “Other operating income” basically corresponds to income from Group entities engaging in non-financialactivities (mostly operating leases). The reduction in the balance recorded in this heading for 2022 is mainly due to the fall in income from the vehicle leasing activity following the sale of the BanSabadell Renting, S.L.U. subsidiary, which took place in the second half of 2021, which was partially offset by the income from the insurance policies referred to in Note 32. Note 32 – Other operating expenses The composition of this heading of the consolidated income statement for the years ended 31 December 2022 and 2021 is as follows:

| Thousand euro                             |     |      |          |   |     |      |          |   |
|                                           |     | 2022 |          |   |     | 2021 |          |   |
| Contribution to deposit guarantee schemes |     |      | (129,157 | ) |     |      | (128,883 | ) |
| Banco Sabadell                            |     |      | (113,832 | ) |     |      | (116,341 | ) |
| TSB                                       |     |      | (540     | ) |     |      | (879     | ) |
| BS IBM Mexico                             |     |      | (14,785  | ) |     |      | (11,663  | ) |
| Contribution to resolution fund           |     |      | (100,151 | ) |     |      | (87,977  | ) |
| Other items                               |     |      | (229,559 | ) |     |      | (250,502 | ) |
| Total                                     |     |      | (458,867 | ) |     |      | (467,362 | ) |

A-724

“Other items” includes expenses corresponding to Tax on Deposits of Credit Institutions, amounting to 34,894 thousand euros in 2022 (33,438 thousand euros in 2021), as well as expenses associated with non-financialactivities (mostly operating leases). The balance of this heading decreased due to, among other reasons, the fall in expenses of the vehicle leasing business, following the sale of BanSabadell Renting, S.L.U. in 2021 (See Note 31). Furthermore, on 16 December 2022, the TSB subsidiary reached an agreement with the