Company: BBVXF
Filing Date: 2025-03-21
Form Type: 6-K
Source: 0000842180-25-000016
Chunk: 75

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-03-21
Form: 6-K
Chunk 75
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| (3)Includes gross carrying amount of assets at amortised cost and assets at fair value through other comprehensive income.                                                      |     |                                             |     |         |     |                          |     |                     |                                    |     |         |     |                        |                                    |     |     |     |                                                                                           |
| (4)Off-balance sheet exposures provisions are shown as positive, in line with FINREP regulatory financial reporting models.                                                     |     |                                             |     |         |     |                          |     |                     |                                    |     |         |     |                        |                                    |     |     |     |                                                                                           |
| (5)Other Countries includes mainly exposures in Europe (excluding Spain), United States and Asia.                                                                               |     |                                             |     |         |     |                          |     |                     |                                    |     |         |     |                        |                                    |     |     |     |                                                                                           |

| PILLAR 3 2024 |     | 4. RISK |     | P.87 |

Throughout 2024, activity grew in the main geographies where the Group operates. This growth was due to the strong dynamism in lending, particularly in Spain, where the volume of loans to corporates and retail increased, as in Mexico. Lending in Turkey increased significantly in Turkish lira.

Regarding non performing loans, there was a slight increase in the first half in various geographies of the Group, which was offset by the decline in the second half, mainly due to the sale of portfolios in Spain, an activity that continued throughout the year.

The distribution by counterparty sector of total and non-performing exposures of loans and advances, as well as their impairment as of December 31, 2024 and December 31, 2023, are shown below:

| Table 21.EU CQ5 - Credit quality of loans and advances to non-financial corporations by industry(Million Euros. 12-31-2024) |

|                                                                                                                                                                                                                       |     | Gross carrying amount(1)(2)/nominal amount |     |         |     |                          |     |                     |                                    |     |         |     |                        |     | Accumulated negative changes in fair value due to credit risk on non-performing exposures |
|                                                                                                                                                                                                                       |     |                                            |     |         |     | Of which: non performing |     | Of which: defaulted | Of which: subject to impairment(3) |     |         |     | Accumulated impairment |