Company: BBVXF
Filing Date: 2025-08-12
Form Type: DRS
Source: 0000950123-25-007520
Chunk: 495

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-08-12
Form: DRS
Chunk 495
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 |     | 2,618,517 |     | 2,477,207 |
| Unearned finance income              |     |  -242,206 |     |  -241,067 |
| Net investment in the lease          |     | 2,376,311 |     | 2,236,140 |

The table below shows a breakdown, by term, of the minimum undiscounted future amounts receivable by the Group during the mandatory term (assuming that no extensions or existing purchase options will be exercised) as set out in the finance lease contracts:

| Thousand euro     |     |           |     |           |
|                   |     |      2024 |     |      2023 |
| Up to 1 year      |     |   776,898 |     |   596,371 |
| 1-2 years         |     |   598,183 |     |   549,969 |
| 2-3 years         |     |   292,046 |     |   388,839 |
| 3-4 years         |     |   266,013 |     |   258,360 |
| 4-5 years         |     |   164,050 |     |   168,571 |
| More than 5 years |     |   313,274 |     |   356,438 |
| Total             |     | 2,410,464 |     | 2,318,548 |

Past-due financial assets The balance of customer loans past-due and pending collection not classified as stage 3, as at 31 December 2024, amounts to 232,305 thousand euros (343,472 thousand euros as at 31 December 2023). Of this total, over 73% of the balance as at 31 December 2024 (81% of the balance as at 31 December 2023) was no more than one month past-due. A-231

As confidentially submitted to the Securities and Exchange Commission on August 11, 2025. This Amendment No. 4 has not been publicly filed with the Securities and Exchange Commission and all information herein remains strictly confidential. Financial assets classified on the basis of their credit risk The breakdown of financial assets, not considering valuation adjustments, classified on the basis of their credit risk as at 31 December 2024 and 2023 is as follows:

| Thousand euro                         |     |