Company: BBVXF
Filing Date: 2025-09-05
Form Type: F-4/A
Source: 0001193125-25-196513
Chunk: 123

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-05
Form: F-4/A
Chunk 123
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| Own funds                                   |     |                        |  14,368,496 |     |               |          — |   |     |      |     — |   |     |         |  13,561,536 |     |               |          — |   |     |      |     — |   |     |         |    806,960 |   |     |               |         — |   |     |        |         — |   |     |        |        — |   |     |      |      — |   |
| Total funds                                 |     |                        | 242,144,674 |     |               | (4,690,643 | ) |     |      | (1.94 | ) |     |         | 245,173,480 |     |               | (3,934,314 | ) |     |      | (1.60 | ) |     |         | (3,028,806 | ) |     |               |  (756,329 | ) |     |        |  (863,387 | ) |     |        |  116,442 |   |     |      | (9,384 | ) |
| Average total assets                        |     |                        | 242,144,674 |     |               |  5,021,335 |   |     |      |  2.07 |   |     |         | 245,173,480 |     |               |  4,723,217 |   |     |      |  1.93 |   |     |         | (3,028,806 | ) |     |               |   298,118 |   |     |        |   317,193 |   |     |        |  (25,270 | ) |     |      |  6,195 |   |

Financial income or expenses arising from the application of negative interest rates are recorded in line with the nature of the associated asset or liability. The credit institutions heading on the liabilities side includes negative interest rates applied to balances of credit institutions on the liabilities side, the most significant item being TLTRO III borrowing. Gross Margin Net fees and commissions reached €1,357 million as at the end of 2024, representing a decline of 2.1% year-on-year,which was mainly due to lower service fees, especially payment card and current account fees. Profit or loss on financial operations and exchange differences reached a