Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047351
Chunk: 55

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 55
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 in ROE.

19 The target fully loaded CET1 ratio considered for the purposes of this metric has been placed at 12%, at the top of the Group's established target management range of 11.5-12.0% of CET1. Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish -language version prevails.

| January - September 2025Report - p.62 |

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.

| ROTE                           |                                                |                                |               |               |               |
|                                |                                                |                                | Jan.-Sep.2025 | Jan.-Dec.2024 | Jan.-Sep.2024 |
| Numerator(Millions of euros)   | =                                              | Net attributable profit (loss) |        10,666 |        10,054 |        10,181 |
| Denominator(Millions of euros) | +                                              |    Average shareholders' funds |        74,861 |        69,703 |        69,026 |
| +                              | Average accumulated other comprehensive income |                        -18,038 |       -16,412 |       -16,095 |               |
| -                              | Average intangible assets                      |                          2,544 |         2,380 |         2,371 |               |
|                                | =                                              |                           ROTE |         19.7% |         19.7% |         20.1% |

RORC The RORC (return on regulatory capital) measures the return on regulatory capital necessary to meet the CET1 fully loaded target ratio 19 . It is calculated as follows:

| Net attributable profit (loss)          |
| Average regulatory capital of the Group |

Explanation of the formula: The numerator is the net attributable profit (loss), described above. The denominator is the average regulatory capital of the Group, defined as the Risk Weighted Assets multiplied by the CET1 fully loaded target ratio plus regulatory deductions plus the perimeter differences between regulatory and accounting own funds less Solvency minority interests. If the described metric is presented on a date prior to the end of the year, the numerator will be presented on an annualized basis.

| RORC                           |   |                                         |               |               |               |
|                                |   |                                         | Jan.-Sep.2025 |