Company: BBVXF
Filing Date: 2025-09-05
Form Type: F-4/A
Source: 0001193125-25-196513
Chunk: 478

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-05
Form: F-4/A
Chunk 478
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830 |     |                  | 41,381 |     |                  | 4,587 |     |             | 149,798 |
| Non-performing real estate           
 assets, net                          |     |                  |     586 |     |                  |      — |     |                  |     — |     |             |     586 |
| Liabilities and equity               |     |                  | 173,648 |     |                  | 54,855 |     |                  | 6,670 |     |             | 221,294 |
| On-balance sheet customer funds      |     |                  | 117,820 |     |                  | 39,864 |     |                  | 3,205 |     |             | 160,888 |
| Wholesale funding in capital markets |     |                  |  19,949 |     |                  |  4,545 |     |                  |     — |     |             |  24,494 |
| Allocated own funds                  |     |                  |  10,880 |     |                  |  2,368 |     |                  |   631 |     |             |  13,879 |
| Off-balance sheet                    
 customer funds                       |     |                  |  40,561 |     |                  |      — |     |                  |     — |     |             |  40,561 |

(*) Exchange rates used in the balance sheet: EUR/GBP 0.8869, EUR/MXN 20.856, EUR/USD 1.066 and EUR/MAD 11.1558. The Group’s average total assets as at 31 December 2024 amounted to 242,144,674 thousand euros (245,173,480 thousand euros as at 31 December 2023). A-279

The types of products and services from which revenue is derived are described below for each business unit:

| – | Banking Business Spain: groups together the Retail Banking, Business Banking and Corporate Banking business units, 
 with individuals and businesses managed under the same branch network:                                             |

| – | Retail Banking: offers financial products and services to individuals for personal use. These include investment                                                                                                                                 
 products and medium- and long-term finance, such as consumer loans, mortgages, leasing and rental services, as well as other short-term finance. Funds come mainly from customers’ term and demand deposits, savings insurance, mutual funds and 
 pension plans. The main services also include