Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000033
Chunk: 133

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 133
---
2024, it included €285 million corresponding to the estimated total annual amount of the temporary tax on credit institutions and financial credit establishments, according to Law 38/2022 of December 27, 2022.

37. Income and expense from insurance and reinsurance contracts

The detail of the headings “Income and expense from insurance and reinsurance contracts” in the condensed consolidated income statements is as follows:

| INCOME AND EXPENSE FROM INSURANCE AND REINSURANCE CONTRACTS (MILLIONS OF EUROS) |     |        |     |        |
|                                                                                 |     |   June 
   2025 |     |   June 
   2024 |
| Income from insurance and reinsurance contracts                                 |     |  1,866 |     |  1,800 |
| Expense from insurance and reinsurance contracts                                |     | -1,109 |     | -1,066 |
| Total                                                                           |     |    757 |     |    734 |

#### 38.

#### Administration costs

#### 38.1

#### Personnel expense
The breakdown of the balance under this heading in the condensed consolidated income statements is as follows:

| PERSONNEL EXPENSE (MILLIONS OF EUROS) |     |       |     |       |     |       |
|                                       |     | Notes |     |  June 
  2025 |     |  June 
  2024 |
| Wages and salaries                    |     |       |     | 2,768 |     | 2,731 |
| Social security costs                 |     |       |     |   528 |     |   486 |
| Defined contribution plan expense     |     |    24 |     |    72 |     |    86 |
| Defined benefit plan expense          |     |    24 |     |    28 |     |    31 |
| Other personnel expense               |     |       |     |   297 |     |   300 |
| Total                                 |     |       |     | 3,693 |     | 3,633 |

#### 38.2

#### Other administrative expense
The breakdown of the balance under this heading in the condensed consolidated income statements is as follows:

<div align='center'>F-56</div>

| OTHER ADMINISTRATIVE EXPENSE. BREAKDOWN BY MAIN CONCEPTS (MILLIONS OF EUROS) |     |       |     |       |
|                                                                              |     |