Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0000842180-25-000002
Chunk: 64

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 64
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                               |     | Average intangible assets                      |     |                                         |     |   2,380 |     |      |         2,254 |     |      |               |     |   2,119 |     |      |               |
|                                 |     | =                                              |     | Adjusted ROTE                           |     |         |     | 19.7 |             % |     | 17.0 |             % |     |         |     | 15.1 |             % |

#### ROA
The ROA (return on assets) ratio measures the accounting return obtained on an entity's assets. It is calculated as follows:

| Profit (loss) for the period |
| Average total assets         |

Explanation of the formula: the numerator is the profit (loss) for the period of the Group's consolidated income statement. If the metric is presented on a date before the close of the fiscal year, the numerator must be annualized.

Average total assets are taken from the Group’s consolidated balance sheet. The average balance is calculated as explained for average shareholders' funds in the ROE.

Relevance of its use: this ratio is generally used not only in the banking sector but also in other sectors to measure the return obtained on assets.

| ROA                             |     |   |     |                              |     |      |               |     |      |               |     |      |               |
|                                 |     |   |     |                              |     |      | Jan.-Dec.2024 |     |      | Jan.-Dec.2023 |     |      | Jan.-Dec.2022 |
| Numerator (Millions of euros)   |     |   |     | Profit (loss) for the period |     |      |        10,575 |     |      |         8,416 |     |      |         6,763 |
| Denominator (Millions of euros) |     |   |     | Average total assets         |     |      |       777,997 |     |      |       748,459 |     |      |       701,093 |
|                                 |     | = |     | ROA                          |     | 1.36 |             % |     | 1.12 |             % |     | 0.96 |             % |

#### Adjusted ROA
The adjusted ROA (return on assets) ratio measures the return obtained on an entity's assets. It is calculated as