Banco Bilbao Vizcaya Argentaria, S.a. · BME:BBVA

Banco Bilbao Vizcaya Argentaria — Shareholder Meeting (March 2026)

23 slides from Banco Bilbao Vizcaya Argentaria's shareholder meeting presentation, March 2026

1. Slide 1: Annual General Meeting - Carlos Torres Vila, Chair

   BBVA Annual General oie aM . Meeting ey Carlos Torres Vila CHAIR

2. Slide 2: 2025 has been an excellent year for BBVA

   2025 has been an excellent year for BBVA: growth, value creation and positive impact p. 2

3. Slide 3: We continue to break the record for new customers

   We continue to break the record for +11.5 New Customers new customers millions Note: Gross customer acquisition in the retail segment through own channels. p. 3

4. Slide 4: And we continue to grow our activity at a strong pace

   And we continue to grow our activity at a strong pace LOAN GROWTH + 16.2% (YOY, CONSTANT €) +11.7% (YOY, CURRENT €) p. 4

5. Slide 5: We have a positive impact in society: families

   We have a positive impact in society through our activity Families LOAN GROWTH + 16.2% 160,000 (YOY, CONSTANT €) +11.7% (YOY, CURRENT €) bought their home p. 5

6. Slide 6: We have a positive impact in society: SMEs and self-employed

   We have a positive impact in society through our activity SMEs and self-employed LOAN GROWTH + 16.2% 1,000,000 (YOY, CONSTANT €) +11.7% (YOY, CURRENT €) grew their business p. 6

7. Slide 7: We have a positive impact in society: larger enterprises

   We have a positive impact in society through our activity Larger enterprises LOAN GROWTH + 16.2% 73,000 (YOY, CONSTANT €) +11.7% (YOY, CURRENT €) invested in growth p. 7

8. Slide 8: We have a positive impact in society: sustainable business

   We have a positive impact in society through our activity Sustainable business LOAN GROWTH + 16.2% 134.000€M (YOY, CONSTANT €) +11.7% (YOY, CURRENT €) channeled in 12M25 p. 8

9. Slide 9: We have a positive impact in society: social initiatives

   We have a positive impact in society through our activity Social Initiatives LOAN GROWTH + 16.2% 30,200 €M (YOY, CONSTANT €) +11.7% (YOY, CURRENT €) channeled in 12M25 p. 9

10. Slide 10: The best team

    The best team p. p.10 10

11. Slide 11: We obtain the best results in our history

    We obtain the best NET ATTRIBUTABLE PROFIT 2025 10,511 €M results in our history ROTE 4.5% + vs. 2024 +19.3% p. 11

12. Slide 12: We stand out for our ability to combine growth and profitability

    We stand out for our ability to combine growth and profitability GROWTH 15% (2025 vs. 2024 CURRENT€) 13% Peer 14 11% 9% 7% Peer Peer Peer Peer 1 3 9 12 5% Peer Peer Peer 4 7 5 3% Peer Peer 2 10 1% Peer Peer 8 11 Peer Peer -1% 6 13 -3% 8% 11% 14% 17% 20% PROFITABILITY (2025) European Peers: BARC, BNPP

13. Slide 13: We accelerate the remuneration to our shareholders

    We accelerate 50% PAY-OUT 2025 the remuneration to our c. CASH DIVIDEND shareholders of Net Attributable Profit 92 € cts./ per share >5,200 €M 4,000 €M Extraordinary share buy-back C. program Note: Cash Dividend in gross amount. p. 13

14. Slide 14: We distribute the largest dividend in our history

    We distribute the largest CASH DIVIDEND (€ CTS. /PER SHARE) dividend +31% in our history 92 70 55 60 43 apr.26 31 32 nov.25 2021 2022 2023 2024 2025 Note: Cash dividend in gross amount. The dividend for April 26 is pending approval by the Corporate Bodies. p. 14

15. Slide 15: The market rewards our strategy and results

    The market rewards our strategy and results TOTAL SHAREHOLDER RETURN (# OF TIMES THE VALUE HAS MULTIPLIED SINCE JANUARY 1st 2019 TO MARCH 19th 2026) EUROPEAN SPANISH BANKS BANKS JANUARY 2019 x 5.7 x 3.6 x 3.5 MARCH 2026 Note: Includes the evolution of the share price plus dividends. Note: European b

16. Slide 16: We positively contribute to all our stakeholders

    We positively contribute to all our stakeholders 33% PROFIT TAX: DIRECT CONTRIBUTION TO SOCIETY WHAT DO WE USE BBVA Employees REVENUES FOR? 15.6 €BN 34% DISTRIBUTIONS TO GROSS INCOME 2025 Providers 58% 42% Profit before SHAREHOLDERS 36.9 taxes €BN (excl. minority interest) Credit Provisions and other

17. Slide 17: Our foundations do a great work promoting inclusion, culture and knowledge

    Our foundations do a great work promoting inclusion, culture and knowledge p. 17

18. Slide 18: Looking ahead, we live in a changing and uncertain environment

    Looking ahead, we live in a changing and uncertain environment ECONOMIC GROWTH 2026 (GDP GROWTH, BBVA RESEARCH FORECAST) SPAIN MEXICO TURKEY SOUTH AMERICA +2.4% +1.8% +4.0% +3.0% 0.4pp vs 2025 1.0pp vs 2025 0.4pp vs 2025 0.2pp vs 2025 p. 18 22

19. Slide 19: Our strategic priorities will reinforce our leadership position

    Our strategic priorities will reinforce our leadership position Artificial Intelligence Radical Client Enterprises Team Perspective Value Sustainability Creation 23 p. 19

20. Slide 20: Artificial Intelligence has become the great transformative force of our time

    Artificial Intelligence has become the great transformative force of our time CAPABILITIES OF MODELS TIME TO REACH 100 MILLION USERS 11 Spotify years OpenAI models 8 AirBnB Google years models 3,5 years WhatsApp ChatGPT 2 months 2022 2023 2024 2025 2008 2022 24 p. 20

21. Slide 21: We lead banking in the age of artificial intelligence

    We lead banking in the age of artificial intelligence p. 21 25

22. Slide 22: We face the future with confidence

    We face the future with confidence p. 22 26

23. Slide 23: Annual General Meeting - Carlos Torres Vila, Chair

    BBVA Annual General oie aM . Meeting ey Carlos Torres Vila CHAIR

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) — Shareholder Meeting (March 2026) on 6ix