BBVA : Presentation AGM 2026 - Chair

About this update from Banco Bilbao Vizcaya Argentaria, S.a.

Carlos Torres Vila C H A I R 2025 has been an excellent year for BBVA: growth, value creation and positive impact p. 2 p. 2 We continue to break the record for new customers 11.5 New Customers + millions Note: Gross customer acquisition in the retail segment through own channels. p. 3 And we continue to grow our activity at a strong pace 16.2 LOAN GROWTH + % (YOY, CONSTANT €) + 11.7 % (YOY, CURRENT €) p. 4 We have a positive impact in society through our activity 16.2 LOAN GROWTH + % (YOY, CONSTANT €) + 11.7 % (YOY, CURRENT €) Families 160,000 bought their home p. 5 We have a positive impact in society through our activity LOAN GROWTH + 16.2 % SMEs and self-employed (YOY, CONSTANT €) + 11.7 % (YOY, CURRENT €) , , 1 000 000 grew their business p. 6 We have a positive impact in society through our activity 16.2 LOAN GROWTH + % (YOY, CONSTANT €) + 11.7 % (YOY, CURRENT €) Larger enterprises 73,000 invested in growth p. 7 We have a positive impact in society through our activity 16.2 LOAN GROWTH + % (YOY, CONSTANT €) + 11.7 % (YOY, CURRENT €) Sustainable business 134.000 €M channeled in 12M25 p. 8 We have a positive impact in society through our activity 16.2 LOAN GROWTH + % (YOY, CONSTANT €) + 11.7 % (YOY, CURRENT €) Social Initiatives 30,200 €M channeled in 12M25 p. 9 The best team p. 10 p.10 We obtain the best results in our history NET ATTRIBUTABLE PROFIT 2025 10,511 €M ROTE + 19.3 % + 4.5 % vs. 2024 p. 11 We stand out for our ability to combine growth and profitability GROWTH (2025 vs. 2024 CURRENT€) 15% 14 Peer 13% 11% 9% Peer 12 Peer 3 7% Peer 1 Peer 5 Peer 7 Peer 4 5% Peer 9 3% 1% -1% Peer 6 Peer Peer 2 8 Peer 10 13 Peer 11 Peer -3% 8% 11% 14% 17% 20% PROFITABILITY (2025) European Peers: BARC, BNPP, CABK, CASA, DB, HSBC, ING, ISP, LBG, NDA, SAN, SG, UCG, UBS. Bubble size represents market capitalization. p. 12 PAY-OUT 2025 c. of Net Attributable Profit 50 % CASH DIVIDEND 92 € cts. per share / > 5,200 €M We accelerate the remuneration to our shareholders Extraordinary share buy-back program C . 4,000 €M Note: Cash Dividend in gross amount. p. 13 CASH DIVIDEND (€ CTS. /PER SHARE) + 31 % 92 70 55 43 60 apr.26 31 32 nov.25 2021 2022 2023 2024 2025 We distribute the largest dividend in our history Note: Cash dividend in gross amount. The dividend for April 26 is pending approval by the Corporate Bodies. p. 14 The market rewards our strategy and results TOTAL SHAREHOLDER RETURN (# OF TIMES THE VALUE HAS MULTIPLIED SINCE JANUARY 1st 2019 TO MARCH 19th 2026) JANUARY 2019 EUROPEAN BANKS SPANISH BANKS MARCH 2026 x 5.7 x 3.6 x 3.5 Note: Includes the evolution of the share price plus dividends. Note: European banks: Stoxx Europe 600 Banks. Spanish banks: BKT, CABK, SAB, SAN, UNI, weighted by market capitalization. p. 15 We positively contribute to all our stakeholders WHAT DO WE USE BBVA REVENUES FOR? Employees 15.6 €BN 33 % 34 PROFIT TAX: DIRECT CONTRIBUTION TO SOCIETY DISTRIBUTIONS TO 36.9 GROSS INCOME 2025 €BN Providers 58 % 42 % Profit before taxes (excl. minority interest) % SHAREHOLDERS Credit Provisions and others 33 % FUTURE GROWTH (CREDIT TO CLIENTS ) p. 16 Our fioundations do a great work promoting inclusion, culture and knowledge p. 17 Looking ahead, we live in a changing and uncertain environment ECONOMIC GROWTH 2026 (GDP GROWTH, BBVA RESEARCH FORECAST) SPAIN + 2.4 % 0.4 pp vs 2025 MEXICO + 1.8 % 1.0 pp vs 2025 TURKEY + 4.0 % 0.4 pp vs 2025 SOUTH AMERICA + 3.0 % 0.2 pp vs 2025 p. 22 p. 18 Our strategic priorities will reinforce our leadership position Radical Client Perspective Artificial Intelligence Enterprises Team Sustainability Value Creation p. 23 p. 19 p. 24 p. 20 CAPABILITIES OF MODELS OpenAI models Google models 2022 2023 2024 2025 p. 20 Artificial Intelligence has become the great transformative force of our time TIME TO REACH 100 MILLION USERS years 11 Spotify years 8 AirBnB 3,5 WhatsApp years ChatGPT months 2 2008 2022

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