Company: BBVXF
Filing Date: 2025-03-21
Form Type: 6-K
Source: 0000842180-25-000016
Chunk: 74

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-03-21
Form: 6-K
Chunk 74
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| PILLAR 3 2024 |     | 4. RISK |     | P.82 |

During 2024 there was an increase in exposure, linked mainly to the organic growth of activity, particularly lending to corporates and retail.

Non performing exposures, in constant terms, remained at similar levels to those of December 2023.

Lastly, there were no relevant variations in the accumulated impairment and negative changes in fair value during the year.

The following table shows the credit quality of performing and non-performing exposures according to the number of past due days as of December 31, 2024 and December 31, 2023:

| PILLAR 3 2024 |     | 4. RISK |     | P.83 |

| Table 19.EU CQ3 - Credit quality of performing and non-performing exposures by past due days(Million Euros. 12-31-2024) |

|                                                                                                                         |     | Gross carrying amount(1)/nominal amount |     |         |     |                                    |     |                              |                          |     |        |     |                                                                 |     |            |     |            |     |                    |     |                     |     |                     |     |                    |     |                    |
|                                                                                                                         |     | Performing exposures                    |     |         |     |                                    |     |                              | Non-performing exposures |     |        |     |                                                                 |     |            |     |            |     |                    |     |                     |     |                     |     |                    |     |                    |
|                                                                                                                         |     |                                         |     |         |     | Not past due or past due ≤ 30 days |     | Past due > 30 days ≤ 90 days |                          |     |        |     | Unlikely to pay that are not past due or are past due ≤ 90 days |     |   Past due 
  > 90 days 
 ≤ 180 days |     |   Past due 
 > 180 days 
   ≤ 1 year |     |           Past due 
 > 1 year ≤ 2 years |     |            Past due 
 > 2 years ≤