Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047351
Chunk: 61

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 61
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 (gross)" refers to the "Loans and advances at amortized cost" portfolios with the following counterparts: • other financial entities • public sector • non-financial institutions • households, excluding central banks and other credit institutions. Average loans to customers (gross) is calculated by using the average of the period-end balances of each month of the period analyzed plus the previous month. If the metric is presented on a date before the close of the fiscal year, the numerator will be annualized. By doing this, "Annualized loan-loss provisions" are calculated by accumulating and annualizing the loan-loss provisions of each month of the period under analysis (based on days passed). Loan-loss provisions refer to the aforementioned loans and advances at amortized cost portfolios. This indicator is shown, as others, at a business area level. Relevance of its use: this is one of the main indicators used in the banking sector to monitor the situation and changes in the quality of credit risk through the cost over the year.

| COST OF RISK                   |                                    |               |               |               |
|                                |                                    | Jan.-Sep.2025 | Jan.-Dec.2024 | Jan.-Sep.2024 |
| Numerator (Millionsof euros)   | Loan-loss provisions               |         5,826 |         5,708 |         5,623 |
| Denominator(Millions of euros) | Average loans to customers (gross) |       432,837 |       400,008 |       395,803 |
| =                              | Cost of risk                       |         1.35% |         1.43% |         1.42% |

Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish -language version prevails.

| January - September 2025Report - p.68 |

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