Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000033
Chunk: 24

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 24
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 | % |                                |     |  32,516 |          |     |    617 |                   |  3.81 | % |
| Foreign                                         |     |                                                                                       |     |  18,245 |          |     |  1,134 |                   | 12.54 | % |                                |     |  21,625 |          |     |  1,379 |                   | 12.82 | % |
| Non-interest bearing liabilities and Equity (3) |     |                                                                                       |     |  98,872 |          |     |        |                   |       |   |                                |     |  92,663 |          |     |        |                   |       |   |

(1) Foreign activity represented 43.11% of the total average liabilities for the six months ended June 30, 2025 and 42.93% for the six months ended June 30, 2024.

(2) Includes “Insurance and reinsurance liabilities”, “Derivatives - Hedge accounting”, “Financial liabilities held for trading” and “Financial liabilities designated at fair value through profit or loss”.

(3) Includes “Tax liabilities”, “Liabilities included in disposal groups classified as held for sale” and “Other liabilities”.

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### Changes in Net Interest Income - Volume and Rate Analysis
The following tables allocate changes in our net interest income between changes in volume and changes in rate for the six months ended June 30, 2025 compared with the six months ended June 30, 2024. Volume and rate variance have been calculated based on movements in average balances over the period and changes in interest rates on average interest-earning assets and average interest-bearing liabilities. The only out-of-period items and adjustments excluded from such table are interest payments on loans which are made in a period other than the period in which they are due.

|                                                                   |     | For the six months ended June 30, 2025 / June 30, 2024 |     |       |           |     |        |            |     |        |
|:------------------------------------------------------------------|:----|:-------------------------------------------------------|:----|------:|:----------|:----|-------:|:-----------|:----|-------:|
|                                                                   |     | Increase (Decrease) Due to Changes in                  |     |       |           |     |        |            |     |        |
|                                                                   |     |