Company: BBVXF
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001628280-25-047437
Chunk: 94

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-10-30
Form: 6-K
Chunk 94
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 million and €191 million, respectively.

The breakdown of the balance under the heading "Liabilities under insurance and reinsurance contracts" is as follows:

<div align='center'>F-32</div>

| LIABILITIES UNDER INSURANCE AND REINSURANCE CONTRACTS (MILLIONS OF EUROS) |     |           |     |          |
|                                                                           |     | September 
      2025 |     | December 
     2024 |
| Liabilities for remaining coverage                                        |     |    11,108 |     |    9,835 |
| Liabilities for incurred claims                                           |     |     1,195 |     |    1,146 |
| Total                                                                     |     |    12,303 |     |   10,981 |

#### 22. Provisions
| PROVISIONS. BREAKDOWN BY CONCEPTS (MILLIONS OF EUROS) |     |           |     |          |
|                                                       |     | September 
      2025 |     | December 
     2024 |
| Provisions for pensions and similar obligations       |     |     2,322 |     |    2,348 |
| Other long term employee benefits                     |     |       342 |     |      384 |
| Provisions for taxes and other legal contingencies    |     |       771 |     |      791 |
| Commitments and guarantees given                      |     |       675 |     |      667 |
| Other provisions(1)                                   |     |       342 |     |      429 |
| Total                                                 |     |     4,452 |     |    4,619 |

(1) Individually non-significant provisions for various concepts and corresponding to different geographical areas.

#### 23. Pension and other post-employment commitments
The Group sponsors defined-contribution plans for the majority of its active employees, with the plans in Spain and Mexico being the most significant. Most of the defined benefit plans are for individuals already retired, and are closed to new employees, the most significant being those in Spain, Mexico and Turkey. In Mexico, the Group provides post-retirement medical benefits to a closed group of employees and their family members, both in active service and retirement. During the first nine months of 2025, there have been no relevant changes in the Group's commitments.

The amounts relating to post-employment benefits charged to the condensed consolidated income statement are as follows:

| CONDENSE