Company: BBVXF
Filing Date: 2025-09-09
Form Type: 424B3
Source: 0001193125-25-198517
Chunk: 124

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-09-09
Form: 424B3
Chunk 124
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 (331,794 | ) |
| Own funds                                   |     |                        |  13,561,536 |     |               |          — |   |     |      |     — |   |     |         |  13,053,798 |     |               |         — |   |     |      |     — |   |     |         |     507,738 |   |     |               |          — |   |     |        |          — |   |     |        |        — |   |
| Total funds                                 |     |                        | 245,173,480 |     |               | (3,934,314 | ) |     |      | (1.60 | ) |     |         | 257,553,459 |     |               |  (845,564 | ) |     |      | (0.33 | ) |     |         | (12,379,979 | ) |     |               | (3,088,750 | ) |     |        | (2,878,004 | ) |     |        | (210,746 | ) |
| Average total assets                        |     |                        | 245,173,480 |     |               |  4,723,217 |   |     |      |  1.93 |   |     |         | 257,553,459 |     |               | 3,798,725 |   |     |      |  1.47 |   |     |         | (12,379,979 | ) |     |               |    924,492 |   |     |        |  1,001,801 |   |     |        |  (77,309 | ) |

Financial income or expenses arising from the application of negative interest rates are recorded in line with the nature of the associated asset or liability. The credit institutions heading on the liabilities side includes negative interest rates applied to balances of credit institutions on the liabilities side, the most significant item being TLTRO III borrowing. 95

Gross Income

Net fees and commissions reached €1,386 million as at the end of 2023, representing a year-on-year reduction of 7.0%, which was mainly due to fewer service fees, as well as fewer asset management fees, particularly those charged on pension funds and insurance due to the change in the insurance
product mix.

Gains/(losses) on financial assets and liabilities and exchange