Company: BBVXF
Filing Date: 2025-09-09
Form Type: 424B3
Source: 0001193125-25-198517
Chunk: 490

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-09
Form: 424B3
Chunk 490
---
 Total                   |     |                           | 85,920 |     |             | -329,641 |     |                   | 12,191 |     |               | 5,242,994 |     |           | 19,950,179 |     |             | 9,956,397 |     |                | — |     |             | 2,860 |     |            | -6,040 |     |       | 34,914,860 |     |            | — |     |   | 100%  |

(*) Sovereign risk positions shown in accordance with EBA criteria. (**) Includes undrawn balances credit transactions and other contingent risks (947 million euros at 31 December 2023). (***) Relates to commitments for cash purchases and sales of financial assets. A-315

Exposure to construction and real estate development sector Details of lending for construction and real estate development and the relevant allowances are set out below. The lending items shown have been classified according to their intended purpose, rather than by the debtor’s NACE code. This means, for example, that if a debtor is (a) a real estate company, but uses the financing for a purpose other than construction or real estate development, it is not included in this table; alternatively, if the debtor is (b) a company whose primary activity is not construction or real estate, but where the loan is used for the financing of properties intended for real estate development, it is included in the table:

| Million euro                                         |     |                       |     |                        |     |                |
|                                                      |     |                  2024 |     |                        |     |                |
|                                                      |     | Gross carrying amount |     | Surplus above value of 
             collateral |     |     Impairment 
 allowances (*) |
| Lending for construction and real estate development 
 (including land) (business in Spain)                 |     |                 1,898 |     |                    523 |     |             97 |
| Of which: risks classified as stage                  
 3                                                    |     |                   141 |     |                     74 |     |             84 |
| Million euro                                         |     |                       |     |                        |     |                |
|                                                      |     |                  2023 |     |                        |     |                |
|                                                      |     | Gross carrying amount |     | Surplus above value of 
             collateral |     |     Impairment 
 allowances (*) |
| Lending for