Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000030
Chunk: 55

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 55
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 19.5% |         18.9% |         19.1% |

ROTE The ROTE (return on tangible equity) ratio measures the accounting return on an entity's shareholders' funds, plus accumulated other comprehensive income, and excluding intangible assets. It is calculated as follows:

| Net attributable profit (loss)                                                                           |
| Average shareholders' funds + Average accumulated other comprehensive income - Average intangible assets |

Explanation of the formula: the numerator "Net attributable profit (loss)" and the items in the denominator "Average intangible assets" and "Average accumulated other comprehensive income" are the same items and are calculated in the same way as explained for ROE. Average intangible assets are the intangible assets on the Group's consolidated balance sheet, including goodwill and other intangible assets. The average balance is calculated in the same way as explained for shareholders funds in ROE. Relevance of its use: this metric is generally used not only in the banking sector but also in other sectors to measure the return obtained on shareholders' funds, not including intangible assets.

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

| January - June 2025Report - p.62 |

| ROTE                           |                                                |                                |               |               |               |
|                                |                                                |                                | Jan.-Jun.2025 | Jan.-Dec.2024 | Jan.-Jun.2024 |
| Numerator(Millions of euros)   | =                                              | Net attributable profit (loss) |        10,985 |        10,054 |        10,043 |
| Denominator(Millions of euros) | +                                              |    Average shareholders' funds |        73,986 |        69,703 |        68,187 |
| +                              | Average accumulated other comprehensive income |                        -17,675 |       -16,412 |       -15,541 |               |
| -                              | Average intangible assets                      |                          2,509 |         2,380 |         2,386 |               |
|                                | =                                              |                           ROTE |         20.4% |         19.7% |         20.0% |

ROA The ROA (return on assets) ratio measures the accounting return obtained on an entity's assets. It is calculated as follows:

| Profit (loss) for the period |
| Average total assets         |

Explanation of the formula