Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0000842180-25-000002
Chunk: 44

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 44
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                                                        |     |           |     |     59.5 |     |     54.1 |          |     |     46.9 |     |     47.5 |      |     |     36.5 |     |     36.7 |
| NPL ratio (%)                                                               |     |           |     |      1.4 |     |      1.6 |          |     |      5.7 |     |      4.8 |      |     |      4.9 |     |      5.5 |
| NPL coverage ratio (%)                                                      |     |           |     |      145 |     |      136 |          |     |       82 |     |       89 |      |     |       90 |     |       84 |
| Cost of risk (%)                                                            |     |           |     |     4.48 |     |     2.18 |          |     |     2.83 |     |     2.13 |      |     |     2.83 |     |     3.04 |
| ⁽¹⁾ Figures at constant exchange rates.                                     |     |           |     |          |     |          |          |     |          |     |          |      |     |          |     |          |
| ⁽²⁾ Excluding repos.                                                        |     |           |     |          |     |          |          |     |          |     |          |      |     |          |     |          |
| ⁽³⁾ Excluding repos and including specific marketable debt securities.      |     |           |     |          |     |          |          |     |          |     |          |      |     |          |     |          |
| ⁽⁴⁾ Includes mutual funds and customer portfolios (in Colombia and Peru).   |     |           |     |          |     |          |          |     |          |     |          |      |     |          |     |          |

Unless expressly stated otherwise, all the comments below on rates of change, for both activity and results, will be given at constant exchange rates. These rates, together with the changes at current exchange rates, can be found in the attached tables of the financial statements and relevant business indicators.

### Activity and results
The most relevant aspects related to the area's activity during the year 2024 were:

– Lending