Company: BBVXF
Filing Date: 2025-08-12
Form Type: DRS
Source: 0000950123-25-007520
Chunk: 322

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-08-12
Form: DRS
Chunk 322
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 Total                                                    |     |            | -14,455 |     |            | -24,732 |

| The impairment of non-current assets held for sale excludes income from the increase in fair 
 value less selling costs.                                                                    |

A-58

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. Note 31 – Segment reporting Segmentation criteria This section gives information regarding earnings and other indicators of the Group’s business units. The criteria that the Group uses for its segment reporting are the following:

| – | Three geographical areas: Banking Business in Spain, United Kingdom and Mexico. Banking Business Spain includes 
 foreign branches and representative offices.                                                                    |

| – | Each business unit is allocated own funds equivalent to 13% of its risk-weighted assets, assigning all deductions 
 corresponding to each business unit, and the surplus of own funds is allocated to Banking Business Spain.         |

In terms of the other criteria applied, segment information is first structured with a breakdown by geographical area and then broken down according to the customers at which each segment is aimed. The information presented is based on the standalone accounting records of each Group company, after all consolidation disposals and adjustments have been made. Each business unit bears its own direct costs, calculated on the basis of general accounting records. Key information relating to the segmentation of the Group’s activity is given here below:

| Million euro                                                    |     |                  |        |     |                  |       |     |                  |       |     |             |        |
|                                                                 |     | 30/06/2025 (*)   |        |     |                  |       |     |                  |       |     |             |        |
|                                                                 |     | Banking Business 
 Spain            |        |     | Banking Business 
 UK               |       |     | Banking Business 
 Mexico           |       |     | Total Group |        |
| Net interest income                                             |     |                  |  1,719 |     |                  |   615 |     |                  |    91 |     |             |  2,425 |
| Net fees and commissions                                        |     |                  |    637 |     |                  |    46 |     |                  |    12 |     |             |    694 |
| Core revenue                                                    |     |                  |  2,355 |     |                  |   660 |