Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000033
Chunk: 151

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 151
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 six months ended June 30, 2025.

<div align='center'>F-71</div>

APPENDIX II. Additional information on risk concentration

Quantitative information on activities in the real-estate market in Spain

The following quantitative information on real-estate activities in Spain has been prepared using the reporting models required by Bank of Spain Circular 5/2011, of November 30.

Lending for real estate development of the loans as of June 30, 2025, and December 31, 2024 is shown below:

| FINANCING ALLOCATED BY CREDIT INSTITUTIONS TO CONSTRUCTION AND REAL ESTATE DEVELOPMENT AND LENDING FOR HOUSE PURCHASE (MILLIONS OF EUROS) |     |              |     |         |     |          |     |                                |     |      |     |          |     |                        |     |      |     |          |
|                                                                                                                                           |     | Gross amount |     |         |     |          |     | Drawn over the guarantee value |     |      |     |          |     | Accumulated impairment |     |      |     |          |
|                                                                                                                                           |     |              |     |    June 
    2025 |     | December 
     2024 |     |                                |     | June 
 2025 |     | December 
     2024 |     |                        |     | June 
 2025 |     | December 
     2024 |
| Financing to construction and real estate development (including land) (business in Spain)                                                |     |              |     |   2,188 |     |    2,207 |     |                                |     |  440 |     |      473 |     |                        |     |  -81 |     |     -102 |
| Of which: Impaired assets                                                                                                                 |     |              |     |     110 |     |      136 |     |                                |     |   33 |     |       45 |     |                        |     |  -68 |     |      -88 |
| Memorandum item:                                                                                                                          |     |              |     |       — |     |        — |     |                                |     |    — |     |        — |     |                        |     |    — |     |        — |
| Write-offs                                                                                                                                |     |              |     |   2,100 |     |    2,100 |     |