Company: BBVXF
Filing Date: 2025-01-30
Form Type: 6-K
Source: 0000842180-25-000002
Chunk: 71

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-01-30
Form: 6-K
Chunk 71
---
     | 31-12-24 |     | 31-12-23 |     |         |     | 31-12-22 |
| Numerator (Millions of euros)    |     | +                                      |     | Shareholders' funds           |     |         |     |   72,875 |     |   67,955 |     |         |     |   64,535 |
| +                                |     | Accumulated other comprehensive income |     |                               |     | -17,220 |     |  -16,254 |     |          |     | -17,642 |     |          |
| -                                |     | Intangible assets                      |     |                               |     |   2,490 |     |    2,363 |     |          |     |   2,156 |     |          |
| Denominator (Millions of shares) |     | +                                      |     | Number of shares outstanding  |     |         |     |    5,763 |     |    5,838 |     |         |     |    6,030 |
| -                                |     | Treasury shares                        |     |                               |     |       7 |     |        4 |     |          |     |       5 |     |          |
|                                  |     | =                                      |     | Tangible book value per share 
 (euros / share)               |     |         |     |     9.24 |     |     8.46 |     |         |     |     7.43 |

Translation of this report originally issued in Spanish. In the event of a discrepancy, the Spanish-language version prevails.

| 61 |

#### Non-performing loan (NPL) ratio
It is the ratio between the risks classified for accounting purposes as non-performing loans and the total credit risk balance. It is calculated as follows:

| Non-performing loans |
| Total credit risk    |

Explanation of the formula: non-performing loans and the credit risk balance are gross, meaning they are not adjusted by associated accounting provisions.

Non-performing loans are calculated as the sum of “loans and advances at amortized cost” and the “contingent risk” in stage 3 19 and the following counterparties:

• other financial entities

• public sector

• non-financial institutions

• households.

The credit risk balance is calculated as the sum of "loans and advances at