Company: BBVXF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0000842180-25-000033
Chunk: 134

Company: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Filing Date: 2025-07-31
Form: 6-K
Chunk 134
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  June 
  2025 |     |  June 
  2024 |
| Technology and systems                                                       |     |   874 |     |   881 |
| Communications                                                               |     |   125 |     |   132 |
| Advertising                                                                  |     |   251 |     |   199 |
| Property, fixtures and materials                                             |     |   277 |     |   284 |
| Taxes other than income tax ⁽¹⁾                                              |     |    60 |     |   260 |
| Surveillance and cash courier services                                       |     |   130 |     |   125 |
| Other expense                                                                |     |   628 |     |   587 |
| Total                                                                        |     | 2,345 |     | 2,467 |

(1) The variation is mainly explained by the recognition of lower expense corresponding to the value added tax in BBVA, S.A. following the upward re-estimation of such tax, applied pro-rata in previous periods and in 2025.

#### 39.

#### Depreciation and amortization
The breakdown of the balance under this heading in the condensed consolidated income statements is as follows:

| DEPRECIATION AND AMORTIZATION (MILLIONS OF EUROS) |     |      |     |      |
|                                                   |     | June 
 2025 |     | June 
 2024 |
| Tangible assets                                   |     |  466 |     |  483 |
| For own use                                       |     |  298 |     |  308 |
| Right-of-use assets                               |     |  166 |     |  173 |
| Investment properties and other                   |     |    2 |     |    2 |
| Intangible assets                                 |     |  283 |     |  276 |
| Total                                             |     |  749 |     |  759 |

#### 40.

#### Provisions or reversal of provisions
In the six months ended June 30, 2025 and 2024 the net provisions recognized in this condensed income statement line item were as follows:

| PROVISIONS OR REVERSAL OF PROVISIONS (MILLIONS OF EUROS)       |     |       |     |      |     |      |
|                                                                |     | Notes |     | June 
 2025 |     | June 
 2024 |
| Pensions and other post-employment defined benefit