Company: BBVXF
Filing Date: 2025-09-09
Form Type: 424B3
Source: 0001193125-25-198517
Chunk: 650

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-09
Form: 424B3
Chunk 650
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(*) Exchange rates used in the balance sheet: GBP 0.8869, MXN 20.856, USD 1.066 and MAD 11.1558. (**) See Note 1.4. The Group’s average total assets as at 31 December 2023 amounted to 245,173,480 thousand euros (257,553,459 thousand euros as at 31 December 2021). A-507

The types of products and services from which revenue is derived are described below for each business unit:

| – | Banking Business Spain: groups together the Retail Banking, Business Banking and Corporate Banking business units, 
 with individuals and businesses managed under the same branch network:                                             |

| – | Retail Banking: offers financial products and services to individuals for personal use. These include investment                                                                                                                                 
 products and medium- and long-term finance, such as consumer loans, mortgages, leasing and rental services, as well as other short-term finance. Funds come mainly from customers’ term and demand deposits, savings insurance, mutual funds and 
 pension plans. The main services also include payment methods such as cards and various kinds of insurance products.                                                                                                                             |

| – | Business Banking: offers financial products and services to companies and self-employed persons. These include                                                                                                                                            
 investment and financing products, such as working capital products, revolving loans and medium- and long-term finance. It also offers custom structured finance and capital market solutions, as well as specialised advice for businesses. Funds mainly 
 come from customers’ term and demand deposits and mutual funds. The main services also include collection/payment solutions such as cards and POS terminals, as well as import and export services. It also includes Private Banking, which offers        
 personalised expert advice, backed by specialised and high-value product capabilities for our customers.                                                                                                                                                  |

| – | Corporate Banking: offers specialised lending services together with a comprehensive offering of solutions, ranging                                                                    
 from transaction banking services to more complex and tailored solutions relating to the fields of finance and cash management, as well as import and export activities, among others. |

| – | Banking Business UK: the TSB franchise covers business conducted in the United Kingdom, which includes current and 
 savings accounts, loans, credit cards and mortgages.                                                               |

| – | Banking Business Mexico: offers banking and financial services for corporate banking and commercial banking. |

Details of income from ordinary activities and the pre-taxprofit/(loss) generated by each business unit are set out below for the years