Company: BBVXF
Filing Date: 2025-02-27
Form Type: F-4/A
Source: 0001193125-25-037317
Chunk: 543

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-02-27
Form: F-4/A
Chunk 543
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010 |
| Gross investment in the lease        |     | 2,477,207 |     | 2,410,412 |
| Unearned financial income            |     |  -241,067 |     |  -183,898 |
| Net investment in the lease          |     | 2,236,140 |     | 2,226,514 |

The table below shows a breakdown, by term, of the minimum undiscounted future amounts receivable by the Group during the mandatory term (assuming that no extensions or existing purchase options will be exercised) as set out in the finance lease contracts:

| Thousand euro     |     |           |     |           |
|                   |     |      2023 |     |      2022 |
| Up to 1 year      |     |   596,371 |     |   502,389 |
| 1-2 years         |     |   549,969 |     |   528,719 |
| 2-3 years         |     |   388,839 |     |   398,780 |
| 3-4 years         |     |   258,360 |     |   264,057 |
| 4-5 years         |     |   168,571 |     |   171,803 |
| More than 5 years |     |   356,438 |     |   389,654 |
| Total             |     | 2,318,548 |     | 2,255,402 |

Past-due financial assets The balance of “Loans and advances – Customers” past-due and pending collection not classified as stage 3 amounted to 343,472 thousand euros as at 31 December 2023 (298,466 thousand euros as at 31 December 2022). Of this total, over 81% of the balance as at 31 December 2023 (74% of the balance as at 31 December 2022) was no more than one month past-due. A-368

Financial assets classified on the basis of their credit risk The breakdown of financial assets, not considering valuation adjustments, classified on the basis of their credit risk as at 31 December 2023 and 2022 is as follows:

| Thousand euro                         |     |             |     |             |
| Stage 1                               |     |  31/12/2023 |     |  31/12/202