Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0000842180-25-000002
Chunk: 72

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 72
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 amortized cost" and "contingent risk" in stage 1 + stage 2 + stage 3 of the previous counterparts.

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 current situation and changes in credit risk quality, and specifically, the relationship between risks classified in the accounts as non-performing loans and the total balance of credit risk, with respect to customers and contingent liabilities.

| Non-Performing Loans (NPLs) ratio                                                                                 |     |   |     |                                   |     |     |          |     |     |          |     |     |          |
|                                                                                                                   |     |   |     |                                   |     |     | 31-12-24 |     |     | 31-12-23 |     |     | 31-12-22 |
| Numerator (Millions of euros)                                                                                     |     |   |     | NPLs                              |     |     |   14,839 |     |     |   15,305 |     |     |   14,463 |
| Denominator (Millions of euros)                                                                                   |     |   |     | Credit Risk                       |     |     |  488,302 |     |     |  448,840 |     |     |  423,669 |
|                                                                                                                   |     | = |     | Non-Performing Loans (NPLs) ratio |     | 3.0 |        % |     | 3.4 |        % |     | 3.4 |        % |
| General note: credit risk figures for 2022 periods have been restated according to IFRS 17 - Insurance contracts. |     |   |     |                                   |     |     |          |     |     |          |     |     |          |

#### NPL coverage ratio
This ratio reflects the degree to which the impairment of non-performing loans has been covered in the accounts via allowances. It is calculated as follows:

| Provisions           |
| Non-performing loans |

Explanation of the formula: it is calculated as "Provisions" from stage 1 + stage 2 + stage 3, divided by non-performing loans, formed by “credit risk” from stage 3.

This indicator is shown, as others, at a business area level.

Relevance of its use: this is